No matter how much you want to stop overspending, there are some situations that just seem to beg you to whip out your wallet and spend, spend, spend! You’re not alone in this uphill battle. Many women today also have a hard time sticking to their guns because of these five temptations:

1. Sale season

There may be no better reason to break your no-spending rule than sale season. It’s when shopping frenzy sets in and all your favorite stores slash their prices. Your shopper’s rationale tells you that it’s okay to spend because you’ll actually be saving more money in the long run and that it’s a shame to waste the opportunity to buy clothes at a discounted price. In reality, however, you’ll end up spending more because you’re shelling out your hard-earned cash for something you don’t really need. The best way to avoid falling for sale season is to avoid the mall completely or just raid your sister’s closet.

2. Judgmental salesladies

Who hasn’t had a haughty saleslady look down on them at one point in time or another? As your feathers get ruffled, you feel the urge to take her down a peg or two (admit it!). As telling her that you can afford it will make you sound defensive (and worse, affected), you prove your worth in the most direct way possible—and that’s by making a substantial purchase. After all is said and done, however, the saleslady will still be haughty but you’ll now have a bill to slave away for. Keep yourself from putting a huge and unexpected dent in your budget by keeping calm and carrying on. Smile at the masungit store rep and engage her in a conversation. Tell yourself you’ll be back to buy a bag when you’re good and ready.

3. Your credit card

Instant gratification is hard to resist. Armed with a credit card, you’re basically an unstoppable shopping machine. Adding to the temptation are the zero percent interest rates and the points you get from using your card. Stop overspending by reminding yourself why you availed of the card in the first place. Was it to buy large home appliances on installment? Was it to cover unexpected emergency expenses? Ask yourself if buying all your wants would leave enough money in your credit limit to cover what your card is originally supposed to be for.

4. A bad breakup

The end of a relationship is almost always accompanied by a lot of negative feelings. There is grief, rejection, and fear among, other emotions. To make you feel better, you go out shopping. You want to make your ex regret that he never took better care of you. You want to give your entire closet an overhaul just so you could be a completely different person. But will these material things really bring your ex back? Avoid overspending by meeting up with a good friend instead.

5. A personal accomplishment

Whether you’ve just closed a huge account or reached an important goal, you’d want to celebrate. After all the hard work that you did, it’s only right that you reward yourself. However, don't make shopping a daily habit. After all, little expenses add up over time.

(Illustration by Sabrina Lajara)

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