You bought it. It felt great… for five minutes.
Now you're staring at your phone, bank balance low, asking, “Why did I even buy this?”
Whether it’s a new phone, vacation package, or designer outfit—impulse purchases can drain your finances and mental peace.
Vizzve Finance is here to help you shift from impulsive to intentional spending, so every big buy brings satisfaction—not stress.
🧾 Impulse Buying: What It Looks Like
You might be impulse-buying if:
You shop during emotional highs or lows (boredom, stress, excitement)
You buy after seeing a flash sale or influencer reel
You don’t compare prices or check your budget
You justify the buy by saying, “I deserve this!”
😬 1 in 3 Indians regrets at least one major purchase per year.
🎯 The Difference Between Impulse and Intentional
| 🧠 Impulse Buy | ✅ Intentional Buy |
|---|---|
| Emotion-driven | Thought-driven |
| Instant gratification | Long-term satisfaction |
| No budget check | Pre-planned savings |
| Post-purchase regret | Confidence and peace |
| Peer or trend influence | Aligned with personal needs/goals |
💸 Why Impulse Buying Hurts Your Finances
Damages savings and emergency funds
Increases credit card debt
Derails long-term goals like home ownership, travel, or investing
Builds guilt, stress, and buyer's remorse
Vizzve Tip: If it’s not in your budget—it’s not in your life.
✅ 7 Ways to Spend Intentionally (Vizzve Approved)
1. Follow the 24-Hour Rule
Wait 24 hours before making a major purchase. If you still want it after a day, it’s probably intentional.
2. Use a “Wants vs. Needs” Filter
Ask:
Do I need this now?
Will I still value this in 6 months?
3. Set Monthly ‘Guilt-Free’ Spend Limits
Create a dedicated budget for fun or splurges—so you enjoy without guilt.
4. Track All Big Buys
Maintain a “Big Purchase Log” to reflect on patterns and adjust choices.
5. Avoid Emotional Spending Zones
Unsubscribe from marketing emails, block FOMO-heavy influencers, and unfollow flash-sale sites.
6. Pre-Save for Big Buys
Use Vizzve’s Goal-Based Saving Tool to save before you spend—phones, bikes, vacations, etc.
7. Ask Yourself This Before Buying:
“Will this bring me long-term value—or is it just short-term excitement?”
💬 Final Takeaway
Impulse buys feel good in the moment, but intentional spending feels good forever.
When you align your money with your values and goals, you stop spending for validation—and start spending for fulfillment.
Let Vizzve Finance guide your journey from reactive buying to purposeful prosperity.
FAQs – Vizzve Finance Explains
Q1. Is it okay to make impulse buys sometimes?
Yes—if you’ve planned for it in your “fun” budget. Just don’t let it become a habit.
Q2. How do I recover from a regretful big purchase?
Return it if possible. Then create a spending reflection sheet to prevent repeat mistakes.
Q3. Can intentional spending still be enjoyable?
Absolutely. It adds meaning and clarity to every rupee you spend.
Q4. What’s a good budget % for wants vs. needs?
Use the 50-30-20 rule: 50% needs, 30% wants, 20% savings/investments.
Published on : 11th July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed.