I'm not an impulse buyer. I will sleep on something I saw in a shop window for days, weeks, even months! If I really want it, I take out envelopes and mark them: "Topaz Ring," "Maternity Dresses," "Sunglasses," "Eyeglass Frames," etc. So, for example, my budget for maternity dresses is 10K. Every pay period, I will slip in 1K or 2K or P500 in that envelope, whatever amount I can set aside after paying the bills. When it finally reaches 10K, BAM! Off to the stores I go and so it looks like I went on a wild shopping spree!
Then when I say, "I don't have money for that breast pump!", it's kinda true. I just mean the envelope marked "Breast Pump" isn't ready yet.
Here's another secret: When I go on a spree, I don't bring the cash. I usually charge it to the card so that I collect points. I don't despair because I actually already have the cash to pay for my credit card purchases—they're just in my little envelopes. And I always pay the balance in full to avoid fees and other charges. Of course, I can afford to do that because I've already spent a lot of time saving up for it!
I also usually don't get money from my salary. I use the money I earn from blogging, eBay and writing projects. The money that comes from the paid blogging network I belong to is the best because I feel I get it for free. I just write posts and I get $5 for each blog post. It's a small amount but after a month or two, it really adds up. That's how we buy our Threadless shirts from the US and film nerd tees from London. Blogging money!
So though I might appear I'm throwing away money, I'm not. I scrupulously save every extra peso (emphasis on "extra"!) so that I can shop! It takes a lot of discipline and patience but the reward is oh so sweet!
