Poorly chosen purchases are one major source of household and office clutter. While most of us are unlikely to totally eliminate this problem, we can certainly minimize it.
I’ve written before about controlling online purchases, but what about in-store purchases? You could implement a “mandatory waiting time” policy for anything not on your shopping list, but that’s not the only possible approach.
For consumers, my advice is this: Never shop tired, never shop hungry, and keep a list of shopping objectives. And if the deal looks too good to be true, pay attention to your instincts and just step around it. Don’t buy for “someday” — if you can’t wear it or use it today, chances are it will become clutter in your home instead of in the store.
What else might you do? If you’re going shopping with a friend, be sure that’s a friend who will be useful. You want someone who will give you honest feedback about the wisdom of a purchase: whether something does indeed look great on you, whether it’s something that makes sense for you to buy at this time, etc. I made one of my more useless purchases when I went clothes shopping with someone else. With her encouragement, I bought something I would never have bought if I had been shopping by myself. (Fortunately, it wasn’t an expensive item.) But another friend helped me pick my fantastic sofa, which was somewhat expensive but worth every penny.
Reflecting on prior purchases and seeing where you tend to go wrong can also be useful. Jeff Yaeger wrote on AARP’s “Money Talk” blog about doing an annual “What the Heck was I Thinking” self-audit annually, at tax time.
It’s simple: Just quickly review your credit card statements, canceled checks, receipts, etc. for the larger purchases you’ve made in the past year, particularly the discretionary, “nonessential” things you’ve spent money on. Then ask yourself one question: “If I had it to do over again, would I have bought that?” Make a note of those things that you spent money that you now regret, and then take a few minutes to really study that list once it’s complete.
The idea is to learn from your spending mistakes so that you won’t keep repeating them.
… It’s also helpful to carry your “What the Heck Was I Thinking?” list with you in your wallet or purse, and glance at [it] whenever you’re headed out on a shopping spree.
Similarly, you could choose to give yourself a different kind of physical reminder to help control impulse purchases. This pocket wallet reminds you to think twice before spending your money.
For those who share its social concerns, The Center For a New American Dream has a wallet buddy you can print out and wrap around your credit or debit card, with the reminder that, “Every dollar I spend is a statement about the kind of world I want & the quality of life I value.” On the reverse side, there are a series of questions, including “Do I need this & do I need it now?” There are also questions about whether the product was made sustainably and whether it has too much packaging.
If you like the idea of a credit/debit card wrapper, you could certainly create your own, with whatever reminders are helpful to you. As an alternative to the wrapper, you could print a short reminder on a label maker and attach that directly to your card.