Easy purchases with oneclick shopping

Overspending can be a serious downer for your budget.

Kind of like that person in the movie theater who kicks the back of your seat: It’s annoying, distracting and ruins your experience.

But that doesn’t mean you should stop spending entirely, just like you don’t have to stop going to the movies altogether. You just need to pick your purchases (and maybe your seats) more carefully.

Now that 2020 is upon us, here are some things you can kick out of your budget and some other changes to consider.

Cashless shopping is convenient, but it can be a budgetbuster. This year, make it more difficult to spend money online. This could help cut out some of your impulse purchases.

“It is so easy to buy on Amazon,” says Jane Boyd Thomas, professor of marketing at Winthrop University. “You know,

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one-click shopping. But you can put in your own safeguards to keep you from doing that.”

For example, don’t save your credit card in your online retail accounts. And think twice before using mobile payment methods like Apple Pay. If you have to pick up your physical credit card or part with tangible cash, you might pause and reflect on whether you really want to spend your money on that item.

Excess groceries

Next up: frivolous foods. If you’ve been guilty of throwing away groceries that have gone bad, you’re probably not shopping as efficiently as you could.

“Try eating your way through some of your food,” says Natasha Knox, a member of the Financial Therapy Association’s board of directors and founder of Pax Planning.

“If you are throwing stuff out regularly, you are overshopping on groceries. One hundred percent.”

How can you fix it? Make a grocery list before you shop. Plan out your meals for the