Why We Buy Things We Don’t Need — and How to Stop Impulse Spending

You don’t need it. But you buy it anyway.
That’s impulse spending, and it’s more common than you might think—especially this time of year. In fact, a recent study found that over half of all shoppers make at least one impulse buy during the holiday season.

Understand the Psychology Behind Impulse Spending

Unplanned spending happens when emotion, not logic, drives our choices.
When we’re tired, stressed, or bored, our brains crave a quick dopamine hit—and shopping provides it. The problem? Those “little” moments of spending add up fast.

Research shows Americans spend $150 to $280 a month on unplanned purchases. Over a year, that’s thousands of dollars that could have gone toward your savings, debt payoff, or vacation goals.

Impulse spending isn’t about poor money skills—it’s about how our brains chase emotional rewards. Let’s break down the psychology and four strategies that can help you spend more intentionally.

1. Create a “Pause Point”

The best first step is to pause before you purchase. When you feel the urge to buy something, ask yourself:

What emotion am I trying to satisfy right now?

If it’s stress, boredom, or loneliness, try a non-spending fix instead. Go for a walk, call a friend, or make a wishlist for later. A few minutes of mindfulness can save hundreds over time—and help you feel more in control.

---

2. Set a “Fun Money” Budget

You don’t need to cut out every spontaneous purchase. In fact, giving yourself permission to spend within healthy limits can make budgeting feel more sustainable.

Try setting aside a small amount each month—say $50 for spontaneous joy purchases. Track them without guilt. When your spending has structure, you can still enjoy the fun without financial stress.

---

3. Use the 24-Hour Rule

Before buying anything unplanned, wait one day. If you still want it after 24 hours, buy it confidently.
Most of the time, the urge passes—and you’ll have saved both money and mental energy.

Delaying gratification retrains your brain to make choices based on your goals, not your impulses.

---

4. Know Your Money Personality

Just like love languages or Enneagram types, we each have a money personality that shapes how we spend, save, and give.

Some people crave security. Others value freedom. Some are motivated by fun or generosity.
Ask yourself:

• Do I spend to celebrate or to soothe?
• Do I avoid spending because it feels risky?
• Do I justify splurges as “self-care”?

When you understand your money personality, you’ll start to see your spending patterns clearly. Self-awareness creates financial freedom—because your budget finally fits your real values.

Learn More at the Master Your Money Mindset Workshop

Want to dig deeper? Join us for a free Master Your Money Mindset Workshop:

Friday, November 14 – Salt Lake City, 9:30am-2pm
Saturday, November 15 – St. George, 9:30am-2pm

We’ll help you identify your unique money personality, understand your mindset, and learn how your financial habits affect your relationships.
Lunch is provided—and it’s free!

Sign up at UtahMoneyMatters.org

Bottom Line:
Impulse spending isn’t about willpower—it’s about awareness.
When you pause, plan, and personalize your spending habits, you don’t just save money—you build confidence, clarity, and long-term financial peace.