20 Shopping Hacks to Save Money

My wallet used to have a mind of its own, especially when I felt stressed or bored.

I’ve been there. That feeling when you look at your bank account and wonder where all the money went. For me, impulse spending was a lot like my old struggle with binge eating. It was a quick fix. A way to fill a void or distract myself from what was really bothering me. I was chasing a temporary high that always left me feeling empty and regretful later.

Gaining control of my finances wasn’t just about saving money. It was about taking back control of my life. It was about being intentional. Just like I learned to fuel my body with good food instead of junk, I learned to use my money with purpose instead of letting my impulses run the show.

It’s not about depriving yourself. It’s about empowering yourself. Here are 20 simple hacks that helped me do just that.

First, Change Your Mindset

Before you even touch your wallet, the real work happens in your mind. This is where you decide who’s in charge: you or your impulses.

1. Understand Your Triggers. Why are you shopping? Are you bored, sad, or trying to celebrate? I used to eat when I felt stressed. Many people shop for the same reasons. Recognize the emotion behind the urge. Once you see it, you can address the real problem instead of just buying something.

2. Practice the 24-Hour Rule. See something you want? Don’t buy it. Wait 24 hours. If you still genuinely want it and it fits your budget a day later, then you can consider it. Most of the time, the impulse fades.

3. Find Fulfillment Elsewhere. This was the biggest game-changer for me. When I started strengthening my relationship with God, I realized that no material possession could offer the peace and purpose I found in my faith. When you have a strong foundation, the urge to fill your life with stuff fades. Find joy in hobbies, community, or service.

4. Never Shop Emotional. Just like you shouldn’t go grocery shopping when you’re hungry, don’t browse online stores when you’re sad or angry. Your judgment is clouded, and you’re more likely to make purchases you’ll regret.

Second, Plan Like a Pro

A little bit of planning goes a long way. It’s the difference between telling your money where to go and wondering where it went.

5. Make a Specific List. Going to the grocery store? Write down "low-fat milk, whole wheat bread, and three apples." Not just "milk, bread, fruit." The more specific you are, the less likely you are to wander off and grab things you don’t need.

6. Unsubscribe from Temptation. Go through your email and unsubscribe from every single store marketing list. If you don’t see the sale, you can’t be tempted by it. Out of sight, out of mind.

7. Set a Clear Budget. Give every dollar a job. Know exactly how much you have for groceries, for clothes, for entertainment. When the money in that category is gone, it’s gone. No exceptions.

8. Delete Saved Payment Info. Go into your browser and your favorite shopping apps and delete your saved credit card information. That extra step of having to get up and find your card is often enough to stop an impulse purchase.

9. Plan Your Meals for the Week. This drastically cuts down on food waste and last-minute takeout orders. You buy only what you need, and you use what you buy. It’s a win-win.

Third, Shop Smart

When you are ready to make a purchase, use these tactics to ensure you’re getting the most value for your money.

10. Use Cash, Not Cards. There’s a psychological difference between swiping a plastic card and handing over physical cash. When you see the money leaving your hand, you feel the purchase more. Try taking only the cash you budgeted for your shopping trip.

11. Check Unit Prices. Don’t just look at the big price tag. Look at the price per ounce or per item. The bigger box isn’t always the better deal. This small habit saves a surprising amount of money over time.

12. Embrace Generic Brands. In most cases, the store brand is made in the same factory as the name brand. You’re paying for the fancy packaging, not a better product. Try it on things like pantry staples, cleaning supplies, and medicine.

13. Avoid the "Clearance" Trap. A good deal is only a good deal if you were going to buy that item anyway. Buying something you don’t need just because it’s 70% off isn’t saving money. It’s spending money.

14. Go Shopping Alone. Friends and family can be wonderful, but they can also be enablers. Shopping with someone else can pressure you into buying things you don’t need. Stick to your list and your mission.

15. Ditch the Shopping Cart. If you’re just running in for milk and eggs, don’t grab a cart. You can only carry so much in your arms. This simple trick prevents you from adding extra items "just because."

16. Borrow or Rent First. Need a specific tool for a one-time project? Ask a neighbor. Need a fancy outfit for a wedding? Look into rental services. You don’t need to own everything.

Finally, Build Lasting Habits

Saving money is a marathon, not a sprint. These habits will help you stay on track for the long haul.

17. Track Your Spending. For one month, write down every single purchase. It will be eye-opening. You’ll see exactly where your money is going and identify areas where you can easily cut back.

18. Learn Basic Repairs. A loose button doesn’t mean you need a new shirt. A wobbly chair leg doesn’t mean you need a new dining set. Learning to do simple repairs yourself is an empowering skill that saves a ton of money.

19. Celebrate Your Savings. Just like I learned to celebrate small wins on my weight loss journey, celebrate your financial progress. Did you stick to your budget this week? Treat yourself to something small and free, like a relaxing evening with a good book or a walk in a beautiful park. You’re building momentum.

20. Give Generously. This might sound counterintuitive, but it works. When you make giving a priority, it shifts your entire perspective on money. You start to see it as a tool to do good, not just something to accumulate. It helps you hold onto your possessions more loosely and find more joy in what you can do for others.

Taking control of your shopping habits is a powerful step toward a more intentional life. It’s not about perfection. It’s about progress.

So, here’s my question for you: Instead of asking "What can I buy today?" what if you asked, "What do I truly need to live a good life?" The answer might surprise you.