Ad Disclosure

Let’s Break Up With Those Weak Budget Excuses

Written by:

AmONE

Edited by:

Kristin Marino

Updated on September 4, 2025

buy one get one free sign When it comes to shopping there are those who have self-control and those who don’t. There are frugal shoppers and impulsive shoppers. Do you know where you fall on the spectrum?

If you’re looking to save some funds and you are a more impulsive shopper who tends to lack self control it can be easy for you to justify your shopping needs. There are many ways to curb your spending and as the holidays loom it is more important than ever to set a little bit of money aside. Here are some widely used excuses you need to stop using while you’re out shopping.

But I deserve it! You’ve had a rough week and it’s time to treat yourself with a new pair of shoes or an expensive spa day. Everyone has a rough day, or week, or even month, doesn’t mean buying something will make you feel better. Try focusing on why you’ve had such a bad week and how you can fix it.
It’s on sale! If something is on sale it is very easy to justify that you can use it, need it, or simply wanted it. One of the best ways to avoid this impulse buy is to set the item back, wait a few days, and think about if you really need the item. If it is a necessity rather than just something you want then figure out how to fit it into your budget.
Keepin’ up with the Joneses. Whether it’s a new cell phone, car, or other hot commodity everyone wants what is new and shiny. Some speculate part of the reason many people are in debt is because of that constant need to keep up with their friends and family. Stop worry about what others have and focus on what you need now and want for your future.
I’ll just dip into my savings account. Usually smaller purchases will lead us to dip into our savings or emergency funds thinking that we’ll replenish it another time. It’s easy to justify a $20 purchase by saying you’ll spend less next week, but that that never happens and soon your account is down by $100. You savings account should only be used for what you’re saving for, hence the name, savings account.

</ul?

The Takeaway

Every day we are tempted into buying things that we don’t really need, but we always find an excuse for buying it. Next time you’re out shopping ask yourself “Do I really need this or just want it” and maybe even take a few days to think it over. Don’t let yourself get yourself get into debt because of overspending. AmONE can help you find financial solutions if your credit has been damaged by overspending. Contact AmONE today to learn more about debt consolidation loans, credit counseling, and credit repair.

Ad Disclosure

Advertiser Disclosure*. The financial products and services on this site are from advertisers from which AmONE receives compensation. Compensation may be based upon whether you click on certain links on this site or buy products or services from those advertisers. We do not receive compensation from consumers. The placement of advertisements on this site are based in part upon the compensation AmONE has or expects to receive from those advertisers. Placement of advertisements does not reflect our recommendation of any advertisers' products or services. Please consult a financial services professional before making any financial decisions. Our advertisers do not include all the financial products and service providers available in the marketplace.

Loan availability, rates, APRs (Annual Percentage Rate), and other terms vary by advertiser and borrower attributes, including borrower location. Lenders have a range of available APRs; only borrowers with excellent credit will qualify for the lower rates. As of 01/11/2024, our advertisers were offering loans to some consumers for as little as a 6.40% APR on a three-year $100,000 loan.

We do not provide financial products or services. Rather, AmONE provides administrative and marketplace services by attempting to connect consumers with service providers offering products and services such as debt settlement and personal loans. We do not take applications or make credit decisions. We may not be able to match you with any of our advertisers. Credit and other decisions and terms are determined by our advertisers based upon the consumer's submission of an application to the advertiser, which may obtain other information about the consumer from third parties. Approval for financial products and services by an advertiser is not guaranteed.

Get matched to your perfect loan and level up your money game.

Find My Loan

Ready to up your money game?

See my loan options

Why AmONE is Trusted By Millions for Their Loan Needs

Anyone can put together a group of lenders in a marketplace to offer people loans. We go beyond that. We not only partner with some of the best lenders around (like Citi, Rocket Loans, SoFi and so many more), we also work with partners who can help people like you go beyond a one-time loan. We connect you with the money programs you need to help you get real financial solutions in place that allow you to tackle your debt and money problems so you can move forward. Getting out from under debt to financial freedom is daunting and we're ready to help you every step of the way.

AI is the hottest thing around right now, but we know from our decades of experience in the personal finance space that the last thing someone wants to do is talk to a robot when they need real answers. Solving money problems can be stressful and daunting, so don't settle for generic responses and information that offers little real financial insights. Speak to one of our many support specialists who all work from an AmONE office right here in the U.S. and get the answers you really need to make better financial decisions.

We work hard to find loan offers for even the most challenging financial situations. With our large lender marketplace, we know we give everyone the best shot at getting the loan, debt and credit help they're hoping to find. Even when someone's credit is clearly poor or they hold a large amount of debt, we still get our customers in front of lenders to give them the best shot at securing the funds they need. When the unexpected happens and customers are rejected for loans, we still work with them to find other financial solutions that put them on the path to financial recovery so they can keep moving forward toward their money goals.