Picture the scene: it's a new month, you're on a spending ban but then you walk past a shop that is selling the exact coat you've wanted all season.
After lying to yourself for a while that you're only entering the shop to take a look at said coat, you appear to leave the store with a bag containing the coat - as well as a few other 'just happened to be on the way to the till' purchases.
Chances are, you've convinced yourself to leave frugal town because of one of these ten VERY popular excuses...
Excuse One: It's so cheap
Reality: Just because something is cheap, doesn't mean it's a good purchase. In fact, it probably means it is poor quality, will lose its shape/colour/luster in a few days and end up in the bin by next season.
Excuse Two: It's in the sale
Reality: Would you have bought this item if it was full price? If the answer is no, slowly put the top back. down.
Excuse Three: It's so on trend right now
Reality: On trend clothes are the worst kind of impulsive buy to make - mostly because the very definition of trend means you probably won't want to wear it next season.
Excuse Four: I have a big party coming up and NOTHING to wear
Reality: But that's a lie now, isn't it. You have lots of things to wear, but you're just not feeling anything.
Excuse Five: My friends have all bought something
Reality: We don't need to go into the 'if they jumped off a cliff, would you' lecture, do we? Just look forward to when you can afford to go out for that drink and your friends are stuck at home crying into their new handbags.
Excuse Six: I just got paid
Reality: If anything, going on a shopping spree the day you get paid is the WORST idea because you have a whole four weeks of budgeting hell to deal with.
Excuse Seven: I get paid on Friday
Reality: Nearly being paid, is not the same as being paid. Let's not start a new month off in the red, shall we?
Excuse Eight: I've been so good recently
Reality: Then why ruin it! Changing habits takes time, and the minute you jump off that shopping wagon and back in the world of compulsive splurging, you'll find it very hard to get back on again.
Excuse Nine: I can always return it
Reality: You could. But you won't. And we BOTH know that.
Excuse Ten: I'm already in my overdraft
Reality: 'Things are already bad so one extra purchase can't hurt" - this is not a thing.
By Jess Edwards
See the full story on Cosmopolitan.co.uk