Stay Within Your Budget: 5 Shopping Tips

Budgeting is an important part of establishing financial stability. Sometimes shopping can quickly obliterate even the most well-intentioned budget.

To keep your spending in check, here are 5 tips for shopping on a budget:

1. Grocery Shopping

Shopping on an empty stomach can be a bad idea. Being hungry may impair your judgment on impulse buys causing you to add unnecessary, sometimes unhealthy, or overpriced items to your cart.

 2. Pick a day, and shop only once a week.

Stopping frequently at stores permits you to spend more money. Pick a day that works with your schedule and try to stick to it each week (or bi-weekly). For some, that might mean Friday, if that’s your payday. For others, they may prefer to beat the rush and shop earlier in the week.

 3. Get organized ahead of time.

Spend time thinking about a few meals you plan to prepare throughout the week. Inventory your cupboards, refrigerator, and freezer to see what supplies you are lacking. Prepare a grocery list, add to it as things get low, and stick to your list no matter how delicious those Oreos look.

 4. Buying in Bulk

Buying in bulk can be cost-effective, but not always the best way to save money. The best items to buy in bulk (and save money) include paper products, canned goods, laundry detergent, office supplies, and toiletries. Keep in mind that it is only a good buy if you’ll use the items you purchase.

 5. Clothes Shopping

Shopping for clothes might be a huge budget breaker. If you’re looking for a special item without excessive cost, start at low-end retailers or thrift stores. Another option is to check with friends and family for hand-me-downs for children who might grow out of clothing quickly.



Coupons are a budget’s best friend!

Shop department stores when they’re offering a coupon on the entire purchase price. If you aren’t receiving coupons currently, ask an associate about how to sign up for their mailing list.

Shop end-of-season sales

If you know what size you may need in the next season, stock up on items on opposite seasons. End-of-a-season sales usually have deep discounts, clearance prices, and great deals on otherwise high-end items.

Remember, shopping on a budget requires buying with intention. A few tips include researching the best possible prices and keeping away impulse buys.

NexTier Bank, N.A. does not endorse or guarantee the products, information or recommendations provided by linked sites. NexTier Bank is not liable for any failure of products, services, or information provided through third-party sites. Third-party linked sites may have privacy policies that differ from NexTier Bank; and linked sites may or may not provide the same level of security.