The author reflects on their fluctuating spending habits, oscillating between frugality and impulsive buys influenced by stress and social media. They introduce the 48-hour spending rule, which entails waiting two full days before purchasing any nonessential item. This technique aims to reduce impulsive spending by disrupting the quick gratification associated with online shopping, allowing individuals to reassess their needs and values. Financial advisor Joe DiSanto supports the approach, noting its potential in helping people manage their finances better by giving them time to evaluate their purchases.
When you're buying things, you get a rush. And when you're online, the feedback loop is so fast, it's even more addictive.
The 48-hour rule breaks that cycle, giving your brain time to catch up with your bank account.
We often make impulsive purchases when our central nervous systems aren't regulated; waiting allows us to assess if we truly want the item.
This technique encourages a shift toward more values-based, mindful spending, helping to curb emotional buying after stressful situations.
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