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Your Take: How Do You Talk Yourself Out of Purchases?

Ben Popken of The Consumerist shared a tip from Janice on how she talks herself out of purchases [3]:

If you find yourself in one of those moods where you just “have to have it”, and end up in the store staring at it, talk to yourself about it. List all the reasons you want it (want, not need), and all the reasons you don’t want or need it…

How do I talk myself out of purchases? I think of the Big Thing I’m saving for and whether I’d rather have the item right in front of me right now or the Big Thing sooner.

A few years ago, the Big Thing was a house. Do I want to go to the bar and have a few beers with my friends or do I want to be able to buy my house sooner? Do I want to buy a new shirt or buy slightly more house? Do I want to buy a new computer or do I want a house in a better neighborhood? The house always won out.

I think that we will always have a Big Thing to save for. If not a house, then for a wedding. If not for a wedding, then for children. If not for children, then it’s for their education or something else they need. There is always something that qualifies as a Big Thing, something that is far more important than an impulsive purchase and that’s how I save money.

How do you talk yourself out of purchases?