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Money Saving Tips That Actually Work…

Money saving isn’t just about budgets – it’s about listening to the phrases you say that warn you to stop.

You know those moments: You’re in a store and spot something you really want and your brain immediately starts working overtime trying to justify it. That little voice in your head is usually a money saving signal that you should walk away, but a lot of people ignore it…

So if you catch yourself saying any of these three phrases, this is not the time to swipe.

1. “Let me see what I can do to make this purchase happen.”

This is the phrase we often use when our heart wants something, but our bank account isn’t fully on board. You start doing mental gymnastics to make it work – maybe shifting a bill, putting it on a credit card, or planning to cover it with extra hours at work.

But here’s the thing: the moment you start rearranging your life to buy something that isn’t a true need, that’s your sign you don’t actually need it. Buying it will probably cause more stress than joy.

If it’s something you could truly afford without overthinking, you wouldn’t have to negotiate payments or convince yourself it’s fine. If it requires a backup plan or a miracle, it’s not worth it. Your wallet – and your sanity – will thank you for listening to that tiny voice saying, not today.

(Related: Download your mindful spending Money Mindset Bullet Journal — it’s your personal spending coach). 

2. “Let me grab this… just in case.”

This one sounds responsible, but it’s actually one of the sneakiest ways we overspend. “Just in case” is code for: I don’t really need this right now.

This is how closets get stuffed, bathrooms fill up with half-used lotions, and money quietly disappears on things you forget you even bought.

A simple rule: ask yourself, Do I need this today? Not for a possible future trip or event. If the answer is no, put it back. That’s it.

Passing on “just in case” items keeps your home clear, your money in your account, and your purchases intentional. And if you need it later? You can buy it then – it probably won’t disappear.

3. “Worst case, I can always return it.”

This one sounds like a safety net, but it’s really just permission to impulse buy. You tell yourself it’s not a big deal because you can return it. But let’s be honest, a lot of people never do. The item sits in a bag for weeks, and before you know it, the return window is gone. 

The return excuse avoids making a real decision. If you’re telling yourself you can always bring it back, deep down you already know you’re not sure about buying it.

Instead, ask: Do I actually want this, or do I just like the idea of buying it? Would I still want it if I couldn’t return it? If the answer makes you hesitate, that’s another money saving signal to walk away. Buying something shouldn’t come with regret, a backup plan, or a mental contract.

Bottom Line: Your wallet notices the little choices you make. And the truth is, walking away today could be the easiest money saving win you have all week.