1. Be wary of the check-out areas.

There are lots of enticing little items here; ask yourself if you really need something before you add it to your pile. How many times have I picked up a jar of Balmex?


2. Get in and get out.

The more time you spend in a store, the more you're likely to buy. Even better: don't even go in the store. Then you definitely won't buy.


3. Question the need for an upgrade.

You might want that device with a slick new function, or to get the improved version of what you have now, but do you really need it?


4. Be polite to sales people, but don't feel like they're your new best friends.

Don't buy something because you're worried about hurting their feelings or having made them do a lot of work helping you or explaining products to you. At the same time, be respectful of clerks' efforts.


5. Don't shop when you're in a hurry or when you're hungry.

6. Stick to a list.

I've found that after I've decided to buy one thing, I'm far more likely to throw in other impulse items, because I know that I'm committed to going through the hassle of paying.


7. Beware of sale items.

Beware of sale items, which make you feel like you can't afford not to buy, or limited-time offers, which make you feel like you have to take advantage of a special deal. If you don't need or want something, it's not a good deal, not matter how cheap it is. A friend of mine told her husband, "I got this 50% off!" and he answered, "That means it was 50% ON."


8. Don't buy anything that you don't know you need--this is especially important with clothes.

If you're not careful, you can buy a pair of pants marked down 75%,then realize that you can't really wear them unless you buy the right shoes to go with them.


9. Choose cash or credit card.

Some people find it far harder to spend actual physical cash; other people find that paying cash makes a purchase seem trivial, even when the dollar amount is high. Know whether you're more inclined to overspend with cash or credit cards--and leave that payment method at home.



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