I came up with my first resolution ever.
Don’t be an overspending sucker at Target!
I know a lot of people plan to save more, pay down debt and get their finances in order. Those are great goals. I haven’t set one of those in a few years, because it’s not an area I feel I really need to work on. I’ve been putting away money for retirement since my early 20s through work and on my own. I didn’t get a credit card until I was 24, much to my father’s chagrin. He would’ve preferred I never got one. If I carry a balance on a credit card, it’s almost always been low enough to pay off with money I actually have. I’m not debt free though thanks to my car and school.
Target is different. Almost every time I visit, I go in with a list and come out with items on the list along with several other things I didn’t “need” until I saw them on the shelf. I’m a sucker for Target’s shelf psychology, or how stores arrange items to maximize consumer spending. (If any retail psychologists or marketing researchers need a 30-something college-educated Latina to fit a quota for a survey or focus group, sign me up! I’ve participated in consumer research for cars, and it was a neat experience that paid well for the time involved.)
I went shopping at Target today. I didn’t go with a list, but stuck to the goal I made up after my trip. Sean and I spent $105. We bought groceries, necessary toiletries, and dumbbells. Sean picked up a space heater for his bedroom.
Strategies to stick to my sucker free goal:
- Always make a list. (I didn’t do that today.)
- Stick to the list.
- You can go off the list if the item is needed. Example: I realize I need dish soap while at the store, but forgot to include it on the list.
- If possible, shop with cash and leave credit and debit cards at home/in the car.