6 ways to curb online spending

Online shopping is often the preferred way to buy from some of our favorite brands. But if deliveries are arriving daily and packages are piling up — even before you've officially begun your holiday shopping — it may be time to reevaluate what you’re purchasing.

According to mental health experts, shopping can become an uncontrollable behavior for some people. A shopping addiction, characterized by a compulsive need to purchase items, regardless of the consequences, can lead to anxiety and depression, isolation, low self-esteem, financial difficulties and interpersonal conflicts.

In fact, fighting about finances is one of the most common causes of conflict in relationships. So, as you approach the traditional end-of-year spending, tensions may increase if you and your partner aren't on the same financial page.

Stop the spend

Want to curb your scrolling and shopping? Try the following tips to avoid making purchases you're likely to regret.

1. Unlink your credit cards. Retailers make it easy to complete a purchase by allowing you to store your credit card information. Make it a little harder to click “place order” by having to grab your credit card before making your next purchase.

2. Declutter. Will you find unworn items in your closet? Do you really need that new shirt? Take inventory of what you already own and, in the process, organize the mess that might be adding to your stress level.

3. Wait before completing your purchase. Try delaying your purchase for a day or two, or even a month. If you still want to complete your transaction, you might be pleasantly surprised to find a price drop if the items are seasonal.

4. Unsubscribe from retail emails. If you subscribe to emails from your favorite stores, you are constantly being tempted with sales, new products and free shipping. Clean up your inbox and don’t forget to turn off app notifications.

5. Reevaluate subscriptions. Are you receiving monthly deliveries, or are you set up for auto-refills on your favorite products that seem to pile up before you can use them? Now might be a good time to pause or cancel regular deliveries.

6. Track your spending. Write down all expenses for 30 days to see where you are spending money. Categorize purchases and identify areas where you could cut your spending.

With these six simple steps, you may be able to improve your finances — and relationships. However, if you find yourself struggling with compulsive buying, talk with your doctor. Shopping addiction is treatable and can be overcome with help.

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