Intentionally Shopping

I am a big believer in spending what you have & nothing more. I do not use my credit card unless it is for work trips which I pay off with my reimbursement check that way I am never in over my head. I know right now there are people working hard to pay off all the Christmas gifts they bought, that’s what January and February usually are right? The months to pay for Christmas. What if I told you there was a way to live comfortably without breaking the bank, would you believe me? Here are 5 tips to intentional shopping which help to get rid of the reliance on credit cards, ditch the debt and help with savings.

TIP #1- A Year In Quarters- So I did this post a while back if you haven’t read it yet than have a look. Basically at the end of December every year I write down all the events/occassions that I need to purchase cards, gift cards or gifts for and divide the year in to quarters. At that point I also decide what each gift will be and write it down . Each pay I put away $200 for gifts and each quarter I take the accumulated amount in my “gift fund” and go shopping for the next three months. Also if at any point throughout the year I see one of the gifts I have chosen on sale, if I accumulate enough points at the store it is at to get it with points or there is a good e-bates offer on that idea I will get it early because in the long run I am either getting it cheaper or getting some of my money back.

TIP #2- Points/ Cashback Programs- I love cash back and point programs and the best part is most of them are available as apps, there are three that I use regularly. PC Plus is the first, my main grocery store is the Superstore which has it’s own points program, each week I get customized offers on items I regularly buy anyway, 20,000= $20 which I normally use to buy an item off my year in quarters gift list.  The 2nd two are both Cash back programs, the first is E-Bates, if I am going online to order something for myself or if there is a gift I want I check e-bates first to see if there is a cash-back offer, last year I ordered 4 plushes for birthday presents from the Disney Store which I saw through ebates were on-sale with a 5% cash back offer. The second is checkout 51 which is another great app for trips to the grocery store, I check my offers and star those which fit into my weekly meal plan.

TIP #3- Shop the Flyers & Meal Plan– I am not much into couponing since here in Canada we don’t get the kind of coupons you see in the US. If I see a coupon for something I am planning on buying anyway sure I’ll use it but I don’t make it a part of my routine to search for them, however if they happen to show up on a planning app than I of course will print them out. What I do use however is FLIPP. This app is incredible, it includes coupons on items I was already intending to buy plus it show me all the sales at all the stores in my area. I clip the sales on the app, print off the coupons. The first thing I check is if there are sales or coupons are for items I get points or cash-back on, then I look for sales/coupons on items I buy regularly.  Using the items from the 3 apps in tip 2 & the Flipp app I come up with my weekly meal plan. That way almost everything I buy is either on-sale or will in some way benefit me financially.

TIP #4- Always shop your list- I always have to remind my husband before we go shopping that if it’s not on the list we are not getting it. So before you head out to the grocery store, department store or even the dollar store make a list of what you need/want while you are out and stick to it. If you see something while you are there that you are tempted to purchase leave it, write it down when you get home and give yourself 24 hours. If after than time you still want it go out and get it. I find this helps a lot with impulsive shopping.

Tip #5- Know the best times to shop- Certain sales are predictable if you know this you are more likely to get things on great sales. Here are just some annual predictable sales.

  • January- Giftwrap, Holiday decor, Wedding items, Clothing, Exercise equipment, Storage containers, Children’s toys, Calendars, Planners & Linens
  • February- Televisions, New Year’s eve decor, Furniture
  • March- Valentine’s day decor, outdoor toys, camping equipment, winter clothing, perfume/cologne
  • April- St. Patrick’s day decor, Car maintenance,  Snow blowers, Shovels, Winter weather tools
  • May- Easter Decor, Barbeque tools, Spa packages
  • June- Gym memberships, Tools
  • July- Jeans, Winter coats
  • August- Textbooks, Kitchen accessories,  School & office supplies
  • September- Swimsuits, Summer clothes & shoes,Computers, pool toys
  • October- Airconditioner, lawnmower, patio furniture
  • November- Flooring & Carpets, Grills, Halloween decor
  • December- Cars, golf clubs, gift certificates & realestate

– If you follow these tips you can take back control of your budget

Do you already do any of these things? was there anything you didn’t know about? let me know in the comments.

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33 thoughts on “Intentionally Shopping

  1. thecoffeemom0617 says:

    This is great. I am always looking for good deals and it really does help to know what times of year are the best to buy certain items.

    Like

  2. Heather says:

    Meal planning is something I struggle with. I love cooking, and so I often want to make something other than what is on my meal plan…which is not very smart. It is something I am definitely going to work on though!

    Like

    • jlawsonn says:

      I dread bringing my husband with me shopping because he always throws stuff not on the list in the cart and then I have to sound like a cheap ass to tell him we can’t get it because it’s not on the list.

      Like

  3. Terri Steffes says:

    Wow! I knew there were special times in the year to shop for certain things, but I hadn’t seen a list that was so concise. With Amazon shopping and all, I can very easily forget about my budget.

    Like

  4. Janel Berchielli (@JanelB) says:

    I love to get rewarded for my shopping whether it be cash or reward points. But you just have to be cautious not to spend what you don’t have. If I charge on my cc I pay it off asap so that I’m not going in debt. My fav rewards credit cards is Disney 😁

    Like

  5. cvnxena says:

    we struggled with money when we first got together and got a credit card but we have definitely learned from that mistake and we have changed our habits now! these are some great tips and advice. it’s important not to spend beyond the means

    Like

  6. Debra says:

    I need to be better about always shopping my list – when I get in the store and see product on the shelf then I remember oh yeah it would be nice to have an extra of that and so on!

    Like

  7. amandahrosson says:

    Love this! I’m also a big believer in not spending money you don’t have. I am very proud to say I have no debt at all – on the downside I do live very modestly and frugally compared to others who might be struggling financially but still can’t change their lifestyle and continue to charge everything to their credit cards. -__- I’m starting to loosen up a bit and let myself splurge/ treat myself a bit more now though >.< Anyway, yes, cashback programs are amazing and I'm very curious about this FLIPP app – will definitely have to check it out!

    Like

    • jlawsonn says:

      Flipp is amazing it has a place where you can scan all your rewards cards so they are right on your phone, tells you sales and does the coupon matching for you. I love it

      Like

  8. Chelsea | New Kid on The Blog says:

    I can get very strategic- even competitive- about my grocery shopping. I always try to get in and out as fast as I can!

    Like

  9. Samantha Lee says:

    These are great budgeting tips. I’m guilty of buying things that aren’t on my list. I do it every time I go shopping, and it’s a habit I need to cut.

    Like

  10. Jennifer Marx (JenuineMom) says:

    This is a great list of when to buy things at deals! I knew only a few of these. Thank you for sharing this — I’m bookmarking this for later!

    Like

  11. almostindianwife says:

    I really struggle shopping my list! I go there determined and ready to do it, then I start seeing little things that just look good. I guess that’s why you shouldn’t go hungry!

    Like

  12. courteneynoonan says:

    These are great tips! I try to save as much money as possible when it comes to shopping – especially clothes shopping. I always make sure to shop during sale times and only really shop online when a store has a free delivery code or student discount x

    Like

  13. Robin Rue says:

    So many times people just go out and shop. I don’t know how they do it because I need to see deals and be enticed to spend and get rewarded somehow.

    Like

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