How to De-escalate an Impulse Purchase

We’ve all been there, scrolling, clicking, adding to basket… and suddenly you’re about to drop unbudgeted money on something you didn’t even know you wanted five minutes ago. Whether it’s a flash sale, a “TikTok made me buy it” moment, or just a stressful day purchase, impulse purchases have the power to completely derail money progress.

But you don’t have to give in. Here’s your step by step guide to de-escalating that impulse and making a more mindful decision:

1️⃣ WAIT

That heart-racing, can’t stop thinking about it feeling? That’s your sign to pause.

The moment when you feel the most tempted is actually the worst time to make a purchase. Even if the item is on sale, low in stock, or part of a limited drop, make yourself wait a minimum of 48 hours.

Put it in your saved basket, screenshot it, whatever helps. But step away.

2️⃣ REVIEW

After those 48 hours, check back in with yourself. Do you still want it?

Now’s the time to check your budget. Ask yourself:

• Do I have the money for this purchase right now?
• Can I buy it without derailing my other money goals?
• Is this really worth it, or was it just a moment of stress or boredom?

3️⃣ MOVE ON

From here, it’s your call. You have three options:

• ✅ Buy it mindfully, with intention and budget checked.
• ✅ Wait and save for it. Set up a sinking fund or make it a future goal.
• ✅ Move on, let it go and forget about it.

Not every impulse buy is a bad one but the key is buying from a place of confidence, not emotion. By adding this little pause-and-review step into your routine, you can avoid money regrets and stay focused on your bigger goals.