Online Shopping Advice: Learn Expert Tips from Dmitriev to Prevent Impulsive Purchases
Rewrite:
Impulse buying on online marketplaces: A potential budget buster
Let's dive into some modern-day shopping tricks that can help you tame the impulse spending beast, as suggested by an array of finance experts. Remember, grabbing anything just because it's on sale or offered at a discount isn't always a smart move.
Here's a piece of advice from the NIFINA project of the Russian Ministry of Finance's "MyFinances.rf," courtesy of an expert named Nikolai Dmitriyev: make a shopping list in advance and keep it tight. Don't let flashy marketing phrases like "limited quantity" or "discount for an hour only" lure you into mindless spending.
Moreover, Dmitriyev emphasizes the importance of weighing the pros and cons of additional services or product bundles when purchasing. Buying a bundle deal might seem like a good idea, but it can quickly pile up extras you never needed, such as superfluous gadgets when purchasing headphones.
During the payment process, remember to scrutinize the order form for accidental 'checkboxes' or 'consents.' If left unchecked, you might end up shelling out for unnecessary insurance, antivirus software, or additional paid warranties.
To put it simply, take your time during payment, read the terms and conditions, and only pay for what you truly want.
For more insights on rational saving strategies on marketplaces, check out an article featuring Dmitriyev's secrets.
Subscribe now to stay in the loop on practical money-saving tips!
Disclaimer: While specific advice from an expert named Nikolai Dmitriyev on this subject is not available, the following tips are universally useful for avoiding impulse purchases and making rational savings on marketplaces.
Avoiding Impulse Purchases:
- Set a Budget: Having a clear spending budget helps you make more measured decisions.
- Make a List: Sticking to a list of essential items helps you focus on what you need.
- *Wait: Impulse buying happens when you're in an emotional state. Waiting 24 hours can help you assess the necessity of a non-essential purchase.
- Shop Sober: Shopping when stressed, bored, or emotional can lead to impulse purchases. Try to shop when you're calm.*
- Manage Cashback and Rewards: Cashback and rewards can be beneficial but can also encourage unnecessary spending. Manage them effectively.*
Making Rational Savings:
- Price Research: Always compare prices across different sellers to find the best deals.
- Discounts and Sales: Keep an eye out for sales, promotions, and discounts, but only buy what you truly need.*
- Price Tracking Tools: Use tools that track price drops to snag deals on items you've been eyeing.*
- Consider Alternatives: Before buying a product, consider if cheaper alternatives exist that serve the same purpose.*
- Shopping Apps: Some apps can help you save money by offering coupons or cashback. Use them wisely to maximize your savings.*
- While making purchases online, it's crucial to follow a budget and stick to essential items to avoid impulsive spending.
- To prevent unnecessary expenses from bundled deals, one should carefully weigh the pros and cons of added services or products before making a purchase, like buying superfluous gadgets when purchasing headphones.
- It's recommended to navigate through the order form cautiously and avoid accidentally agreeing to unnecessary insurance, antivirus software, or paid warranties by checking the 'checkboxes' or 'consents.'
- Taking your time during the payment process, reading the terms and conditions, and only paying for what you truly want can lead to rational savings on online marketplaces.
- To maintain a balanced personal-finance lifestyle, one should resist impulse buying by waiting 24 hours for non-essential purchases, shopping during calm moments, and managing cashback and rewards effectively.
