Retailers are very good at getting you to buy on impulse — one-click checkout, limited-time deals, and “you might also like”. You won't out-willpower that every time. Instead, put a few speed bumps between the urge and the purchase.

The 24-hour rule

For any non-essential over a set amount (say £50), wait 24 hours before buying. If you still want it tomorrow, fine. Most impulses evaporate overnight — and you keep the money.

Add friction

  • Delete saved card details so buying takes effort, not one tap.
  • Unsubscribe from retailer emails and turn off shopping notifications.
  • Leave it in the basket and close the tab — revisit in a day.

Ask two questions

  • “Would I buy this at full price, or is the discount doing the talking?”
  • “Where does this go, and do I already own something that does the job?”
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Fund the fun on purpose

Give yourself a small guilt-free “want” budget each month. Planned treats kill the urge to splurge — see how to start saving money.