Speaker 1: Episode four thirty four Ways online stores get you to
Speaker 1: impulse by.
Speaker 2: Welcome to the Frugal Friends podcast, where you'll learn to
Speaker 2: save money, embrace simplicity, and liver a your life. Here
Speaker 2: your hosts Jen and Jill.
Speaker 1: Welcome to Frugal Friends podcast. My name is Jen, my
Speaker 1: name is Jill, and today we are talking about four
Speaker 1: specific ways online stores get you to impulse by.
Speaker 3: Just like I just said, there's no mystery in the
Speaker 3: title of this podcast episode, you know what you're gonna get.
Speaker 3: And we've been really loving these types of conversations where
Speaker 3: we kind of give a sneak peek behind the scenes
Speaker 3: how companies get you to spend more money so that
Speaker 3: you can be more prepared and intentional with the way
Speaker 3: that you spend money. Because we are are gonna spend money.
Speaker 3: We just want to make sure that it's our decision
Speaker 3: and not somebody else's manipulative actions influencing us. Yes, absolutely,
Speaker 3: But first, this episode is brought to you by by.
Speaker 1: What you Love Without Going Broke?
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Speaker 3: so it's essentially going to be a double party.
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Speaker 3: but you must be signed up for the friend Letter
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Speaker 1: Yes, I think that's who this This episode is really
Speaker 1: brought to you by Gifts with a Tea. So we
Speaker 1: are so stoked to start this pre order party, and
Speaker 1: we're gonna do it with you, and we're gonna do
Speaker 1: it live, and we want to see your faces and
Speaker 1: or you can have your your screen camera off that's fine,
Speaker 1: but we want you to see our faces. We're so
Speaker 1: excited to celebrate with you on August twentieth. So all right,
Speaker 1: let's talk about impulse buying. If this is something that
Speaker 1: you are really struggling with. First, we want to say
Speaker 1: impulse purchases are not the enemy, because an impulse purchase
Speaker 1: is really just any unplanned purchase. Sometimes you have to,
Speaker 1: sometimes you want to. It's it's your prerogative. But I
Speaker 1: think what we want to advocate for is not letting
Speaker 1: manipulation influence our impulse purchases. So that's kind of how
Speaker 1: we look at it on this show. So we have
Speaker 1: a lot of episodes on impulse buying and how to
Speaker 1: overcome it. So we have episode three fifty one Impulse Buying,
Speaker 1: What it is and how to stop, and then episode
Speaker 1: three seventy eight psychological Reasons why we impulse buy. On
Speaker 1: this one, we're going to talk specifically about the marketing
Speaker 1: in that's behind online retailers, and I think a lot
Speaker 1: of I mean, we're mostly shopping online nowadays, so we're
Speaker 1: not going to cover the in store stuff because that's
Speaker 1: a whole different you'll find these things in in store
Speaker 1: as well, but we could do a whole separate episode
Speaker 1: on like in store marketing and how that triggers you
Speaker 1: to make impulse purchases. Today we're just looking at online retailers.
Speaker 1: So our headline for today is four sneaky ways online
Speaker 1: retailers trigger you to make impulsive purchase or impulse purchases.
Speaker 1: And this is from huff Post.
Speaker 3: And we're just going to go through all four. But
Speaker 3: it is based off of an analysis of two hundred
Speaker 3: online retailers that it's a research project that was done
Speaker 3: by University of Michigan School of Information and they found
Speaker 3: that on average, companies use nineteen different feature to encourage
Speaker 3: impulse buying. And they were surveying large retailers like Target
Speaker 3: dot com, Amazon dot com, at plus thirty others and
Speaker 3: they found that some of these features included things like discount,
Speaker 3: low stock messages, count down clocks, and more. But we're
Speaker 3: going to go through the top four tactics that they found,
Speaker 3: and the first one is using sales and discounts. We
Speaker 3: kind of know this we see them in person, but
Speaker 3: we can be especially susceptible to sales and discounts online.
Speaker 3: They say that more than eighty percent of consumers say,
Speaker 3: they're more likely to purchase something when they have a
Speaker 3: coupon or there's a discount, according to a twenty twenty
Speaker 3: two survey by Wildfire Systems. So offering a percentage off
Speaker 3: of a purchase, or sometimes they'll even use things like
Speaker 3: free shipping for spending over a certain amount, can help
Speaker 3: retailers sell items more quickly. So if you see a
Speaker 3: sale or a discount popping up on the item that
Speaker 3: you are looking at, it is very possible that even subconsciously,
Speaker 3: you might be more app to purchase that thing because
Speaker 3: you see the original price crossed out and then the
Speaker 3: lower price beneath it, and that feeling of I'm going
Speaker 3: to get a deal, I'm going to be smart here,
Speaker 3: I'm getting something that usually isn't available to other people.
Speaker 3: There are definitely a lot of psychological pieces at play here,
Speaker 3: and just wanting to get something less expensive than it
Speaker 3: normally is can be a reason for us to impulsively
Speaker 3: buy something that we might not otherwise have bought.
Speaker 1: Yeah, I think it's hilarious because as so, while we're
Speaker 1: scrolling this article on our laptops, literally right next to
Speaker 1: it is huff Post Shopping Best Fines and their articles
Speaker 1: like Brooks best selling sneaker and more up to fifty
Speaker 1: percent off. This Apple watch is one hundred dollars off
Speaker 1: on Amazon right now, and time is ticking like it's
Speaker 1: not just the retailers that do it, but it's all
Speaker 1: of these. Essentially every website on the Internet is run
Speaker 1: by either advertising dollars. It's a combination of advertising and affiliate.
Speaker 1: So they're so huff Post is publishing articles, yes, very
Speaker 1: helpful articles like the one we're going through, but also
Speaker 1: articles like this apple watch is one hundred dollars off
Speaker 1: because if you click their link and buy an Apple
Speaker 1: Watch through their article, they get a kickback. And so
Speaker 1: when we're looking at these sales and discounts and something that,
Speaker 1: it's great websites. So I don't fault the websites because
Speaker 1: you have to make money. If you're a creator, you
Speaker 1: have to pay the bills, right Like, it's why we
Speaker 1: thank you for listening to our show and listening to
Speaker 1: the advertisements on our show because or even skipping through them,
Speaker 1: because that allows us to get paid without asking money
Speaker 1: from you, you know, except to buy our book, which
Speaker 1: is less than thirty dollars. And that's all that is
Speaker 1: all we're asking of you, so like it allows us
Speaker 1: to bring this to you for free because we take
Speaker 1: money from the corporations, but like, creators deserve to be paid,
Speaker 1: and so unfortunately just a lot of them. You know,
Speaker 1: they'll do half really good content and then half you
Speaker 1: know this no frills. Amazon Underwear has an astonishing number
Speaker 1: of reviews affiliate content like that. So I don't fault
Speaker 1: the website. I don't think less of the website because
Speaker 1: of it, but I do think twice about the product, uh,
Speaker 1: because that is a way for them to make money.
Speaker 1: So the next one on the list is last one
Speaker 1: in stock messages and this is more of a s
Speaker 1: retailer thing. I know larger retailers will do this is
Speaker 1: they looked at two hundred retailers in this study, only
Speaker 1: thirty of them were large, So a lot of smaller
Speaker 1: shops will when they get to their like you know,
Speaker 1: last one in stock the message sending you an email
Speaker 1: about it creates a sense of urgency. Retailers are trying
Speaker 1: to make you make a quick decision by not comparison shopping.
Speaker 1: It's also kind of a bandwagon tactic because if there's
Speaker 1: only one left in stock, that means everybody else has
Speaker 1: bought it, and without knowing these people or their experiences,
Speaker 1: I inherently trust the group or the majority. So that's
Speaker 1: something that the last one in stock message can do.
Speaker 3: It.
Speaker 1: It works very well for airlines and hotels. If you're
Speaker 1: wondering should I take the trip, should I take the staycation,
Speaker 1: and there's only one left, then you kind of have
Speaker 1: Then you can't wait anymore to make the decision. So
Speaker 1: it behooves you to make these decisions kind of before
Speaker 1: you have to make them, right. So that's why we
Speaker 1: save for vacations in a sinking fund. We plan for
Speaker 1: them in advance. That way we don't have to question.
Speaker 1: I know I'm taking this trip, so when I see
Speaker 1: the sale coming up, I already know this is something
Speaker 1: I'm gonna do. Then I can book the hotel and
Speaker 1: the airline. I can wait for the sale, but I
Speaker 1: don't have to be influenced by the sale.
Speaker 3: Yeah, it's such a sense of urgency. And I think
Speaker 3: it is true that we might buy quicker with travel,
Speaker 3: but usually you're not impulse buying travel. But I do
Speaker 3: think that this is a message that can pop up
Speaker 3: with anything that oh I just saw this ad on
Speaker 3: Instagram and I'm clicking on it, and now it's if
Speaker 3: I don't get it now, I'll never get it. Like
Speaker 3: these are the things that can push us towards that
Speaker 3: that earthency. I'm going to buy it now because what
Speaker 3: if I'll never have the opportunity to try this new
Speaker 3: thing that I just learned about. So just something to
Speaker 3: be aware of. Usually it's not true. Usually it's not
Speaker 3: actually the last one in stock and.
Speaker 1: I think this is this message is the last message
Speaker 1: in stock too, because it comes after you've seen the
Speaker 1: advertsary you think, hey, I think I might want to
Speaker 1: take a trip to Miami, and so you start looking
Speaker 1: at things and then you start getting served the ads
Speaker 1: for it, and then maybe you will look at the
Speaker 1: you know you're already on Southwest, like you know their emails,
Speaker 1: so you just search Southwest for a flight, and then
Speaker 1: you know you don't think anything of it. And that's
Speaker 1: like that, after you've had enough time to stop thinking
Speaker 1: about it, is when you will get the email from
Speaker 1: Southwest one seat left, still thinking about this trip, about it,
Speaker 1: but you haven't been saving for it. If you really
Speaker 1: wanted to take the trip, you should start saving for
Speaker 1: it right, So that's the difference. This is kind of
Speaker 1: This will be the last of many attempts from the
Speaker 1: online retailer.
Speaker 3: The next tactic is bundling, up selling, and cross selling.
Speaker 3: So this is also a huge one within the travel industry,
Speaker 3: like upgrading a seat or buying a premium product for
Speaker 3: a small percentage, So up selling is another way that
Speaker 3: people retailers will drive impulse spending. So also includes things
Speaker 3: like cross selling where they might offer a related product
Speaker 3: at a discounted rate, such as a camera bag if
Speaker 3: you just bought a camera, bundling where a discount is
Speaker 3: offered if you buy multiple related offers. I see this
Speaker 3: all the time. A lot of especially the budget airlines,
Speaker 3: are doing this. As you're going through even the ticket
Speaker 3: purchasing process, before you actually have a finalized sale, many
Speaker 3: of them will try and get you to book a hotel,
Speaker 3: book a car rental in the process of getting your ticket.
Speaker 3: It's wild to me. I am very adept at just
Speaker 3: like clicking through all of those pages. But if you're not.
Speaker 3: If you're not, if you don't travel a lot, or
Speaker 3: you're not certain about what your travel arrangements are going
Speaker 3: to be, this could be a real big trap for
Speaker 3: purchasing items that you don't actually need. They'll do this
Speaker 3: with bags, seat assignments, they'll try and sell you getting
Speaker 3: through the airport super quickly, but also with any other
Speaker 3: online retailer. This happens all the time. On Amazon, customers
Speaker 3: who bought this also bought these items, And sometimes you
Speaker 3: can think, Oh, yeah, I didn't think about that. I'm
Speaker 3: about to go on this camping trip. And okay, so
Speaker 3: I bought my little pans and dishes, But am I
Speaker 3: going to need a Bunsen burner? Like? What else? Am
Speaker 3: I going to need? Some fire starters? What else am
Speaker 3: I going to need? Like it feels as though, oh,
Speaker 3: the packing list is almost for me, I better just
Speaker 3: buy this. I feel like if there's any tactic that
Speaker 3: does work on me, it is this one. Like you're saying,
Speaker 3: if I just add this in, I could get like
Speaker 3: two for the price of one, or that other example
Speaker 3: of I didn't even think about that item. I might
Speaker 3: need that too, throw it in the cart because of
Speaker 3: the discount that I could get. Oh, it's like a
Speaker 3: two for one because then I don't have to pay
Speaker 3: for shipping because now I've reached that thirty five dollars
Speaker 3: minimum spend. And now I've bought things that I did
Speaker 3: not intend to buy.
Speaker 1: And I just learned that they do make buns and
Speaker 1: burners for camping. Because as a science nerd, I said,
Speaker 1: why would you take that? Why would you take lab equipment?
Speaker 3: But they just don't know. See, you don't have to
Speaker 3: make a carry around matches. Yeah, it's so true. So
Speaker 3: for any science nerds that don't camp, there you go.
Speaker 3: I don't camp either. I don't know. It's just the
Speaker 3: first thing that came to my mind.
Speaker 1: Yeah, I will say. Also, I see this in the
Speaker 1: online marketing space. So I have friends who are If
Speaker 1: you're in the online marketing space, you will know this.
Speaker 1: They are click funnels people. Jill, have you ever.
Speaker 3: Liken these people?
Speaker 1: Okay, well then that's.
Speaker 3: Because I've been around you, okay and heard about it.
Speaker 1: Okay, these are they And you may not know the
Speaker 1: term off off the top of your head, but when
Speaker 1: I tell you what they do, their their model, you'll
Speaker 1: be like, oh gosh, yes, So like I, this is specific.
Speaker 1: So it started with like free book, just pay shipping
Speaker 1: and handling, right, so you'll you would see ads that
Speaker 1: was original. That was the OG and then you would
Speaker 1: buy the shipping and handling. They would upsell you to
Speaker 1: a digital product, and then you would get an email
Speaker 1: later putting you through a funnel to sell you on
Speaker 1: a higher price course, or they might just go at
Speaker 1: you immediately. I was buying a shirt the other day
Speaker 1: online and I had searched out this shirt. The shirt
Speaker 1: did not advertise to me. I sought out the shirt
Speaker 1: and it was from a small Florida company and it
Speaker 1: had I bought the I signed up for the emails.
Speaker 1: They sent me a discount, and so I waited because
Speaker 1: I was like, they're gonna send me a discount, So
Speaker 1: I waited. I got my discount, and then I bought
Speaker 1: the shirt and a media. They were like, act now,
Speaker 1: and you will get ten percent off this shirt, this
Speaker 1: specific shirt, which is one of their best selling shirts.
Speaker 1: And you had there was a literal account downtimer and WHOA, yeah,
Speaker 1: that's uh, that's like bundling or cross selling. That's cross selling.
Speaker 1: And then I said no, and then they were like,
Speaker 1: act now thirty percent off this shirt selling shirt.
Speaker 3: You only have so much will power in you to
Speaker 3: just keep saying now.
Speaker 1: So this is so these are like kind of up
Speaker 1: sells and cross.
Speaker 3: Sells Tory hearing you describe it.
Speaker 1: Yeah, so it's not I wouldn't say it's predatory if
Speaker 1: you know aggressive, Yeah, I went in there. It is aggressive.
Speaker 1: You're right, so it is aggressive. But a lot of
Speaker 1: these funnels will upsell you and we so we do
Speaker 1: it ourselves, Jill.
Speaker 3: I know, and I don't like it. I'm not gonna lie.
Speaker 3: I hate marketing so much.
Speaker 1: You don't hate marketing.
Speaker 3: You're marketing a book, you know, I'm having a party.
Speaker 1: When you sign up for our for the friend letter,
Speaker 1: then you get to purchase the values based values based
Speaker 1: budget binder like and that's the only place we sell
Speaker 1: it is and that truly is the only time you
Speaker 1: can get there's a countdown and when you leave, you
Speaker 1: really you truly cannot get it any other time. You
Speaker 1: don't advertise it anywhere else. So there's sometimes that's not
Speaker 1: always true, so there can be authenticity in this. But yeah,
Speaker 1: so we we offered that that's something you know, again,
Speaker 1: it's just I think not even fifteen dollars. So it's
Speaker 1: something that allows us to eat dinner out.
Speaker 3: Sometimes, that's like our have we moved from talking about
Speaker 3: the tactics retailers used currently using the tactics, right, I.
Speaker 1: Don't What I'm trying to say is this stuff isn't bad.
Speaker 1: I don't think this stuff is necessarily like predatory. I
Speaker 1: think you just have to be aware of.
Speaker 3: Oh well, it depends on how it's used. The rample
Speaker 3: you used of Okay, you said no to this? What
Speaker 3: about this? You said no to that? What about that? Right?
Speaker 3: Like that's aggressive like.
Speaker 1: Space budget binder.
Speaker 3: That's it.
Speaker 1: Then you're done that. We've were not coming at you
Speaker 1: with anything else. So yeah, it's it's small. It's a
Speaker 1: lot of small businesses do it. I I don't feel
Speaker 1: as bad. Like with this very small T shirt company,
Speaker 1: Like I didn't feel bad about it. It's I think
Speaker 1: it's just like a mom and a daughter. I think
Speaker 1: that's their their T shirt, right, So I didn't feel
Speaker 1: bad about it. I didn't buy the extra T shirts
Speaker 1: because I didn't want them, but I didn't feel bad
Speaker 1: about it. But like with these click funnels, people that are,
Speaker 1: you know, making the true Comma Club, and I'll make
Speaker 1: a million of dollars buy more stuff and buy some
Speaker 1: more stuff, I don't know, more stuff. Then I really
Speaker 1: don't feel bad saying no, actually, don't sign up for
Speaker 1: those things anymore because it's like so stinky, just virtually
Speaker 1: smell stinky. All right. So the last one on here
Speaker 1: is something I've talked about quite a bit. Cart reminder messages.
Speaker 1: So when you put something in your cart and you
Speaker 1: have an account there, they're going to email you and
Speaker 1: remind you there's something in your cart. I got that
Speaker 1: email yesterday, like we have to buy some finishings for
Speaker 1: our cabinets. I put the thing in my cart and
Speaker 1: I'm waiting for like some points to go through so
Speaker 1: that I can get fifty dollars off, and I got
Speaker 1: an email this morning. Your cart misses you. That's literally
Speaker 1: what it said, your cart misses you. So when we're
Speaker 1: doing the like wait thirty days type like typically people say,
Speaker 1: put it in your cart and wait thirty days. I
Speaker 1: don't like that, because you get these cart reminder messages.
Speaker 1: Make a wish list, put it in a note, like
Speaker 1: a digital note. I know a lot of people love
Speaker 1: notion for making like picture notes. Just do something like
Speaker 1: that and you can make a new one every month
Speaker 1: or every thirty days or what have you. I would
Speaker 1: rather you do that because Amazon doesn't necessarily send you
Speaker 1: like list reminder at least I haven't gotten them. Maybe
Speaker 1: they've just hidden them from me. But your wishless they
Speaker 1: don't typically send you reminders on for some reason, Honey.
Speaker 1: If you're on joint Honey, they will send you reminders like, hey,
Speaker 1: something on your list just dropped in price, which I
Speaker 1: don't hate as much, but honestly, I'm getting kind of
Speaker 1: tired of it because of all of the predatory sales
Speaker 1: stuff that is going on, like just retailers lowering prices
Speaker 1: by a penny and then raising it by two and
Speaker 1: lowering it by a penny, and just this is the
Speaker 1: real stuff that is happening on Amazon, so they know
Speaker 1: you'll get these reminders that the price was lowered but
Speaker 1: really was increased, like it increased. So yeah, I would
Speaker 1: I would say, Honey is kind of dead to me,
Speaker 1: Like I don't find that there. It helps ever in
Speaker 1: getting cute pun codes anymore. And it just sends those
Speaker 1: drop lists, Like even if you didn't drop list it,
Speaker 1: if you just save something, it's gonna send you email
Speaker 1: reminders on it because they get an affiliate commission if
Speaker 1: you buy through that email. So I would say wish
Speaker 1: list best case scenarios. You're doing something like notion, which
Speaker 1: is free, you're putting it in there like August wish list,
Speaker 1: wait until September and whatever you want then you can
Speaker 1: still get. And then whatever you didn't get, tally that
Speaker 1: up and like put that towards a vacation fund or
Speaker 1: something that'd be fun.
Speaker 3: There you go, yeah, or any other financial goal that
Speaker 3: you have. For sure, I would say that this is
Speaker 3: a reason to not sign up for text message reminders.
Speaker 3: All these sites really do try and push that. But
Speaker 3: if it's just reminders even that have into your email,
Speaker 3: and you've got something like unroll me, then that's helpful too.
Speaker 3: Just like kind of ways to put barriers in between.
Speaker 3: And we'll get there on talking about more strategies, but again,
Speaker 3: it's helpful to know these top four tactics so that
Speaker 3: when you see it happening, you can be more aware
Speaker 3: and vigilant and guarded where you need to be still spend.
Speaker 3: We absolutely are all going to spend our money on
Speaker 3: things that we need and we want, but we can
Speaker 3: be a little bit more equipped to know, Ah, they're
Speaker 3: trying to get me to spend do I really want
Speaker 3: to do this? But I think it's worth having this
Speaker 3: conversation that they also have in this article of why
Speaker 3: the strategies work. And I love this quote here from
Speaker 3: one of the people that they interviewed for this article
Speaker 3: where they describe shopping is a complex activity and the
Speaker 3: decision making process by consumers is not straightforward and linear.
Speaker 3: Many factors play into a decision to purchase or not.
Speaker 3: And I so appreciate this take and perspective because I
Speaker 3: think it helps normalize the spending process for us. We
Speaker 3: can feel very down on ourselves, disappointed, frustrated, guilty, shameful
Speaker 3: about the way that we spend money and our shopping
Speaker 3: habits and behaviors. But I think this quote really helps
Speaker 3: to put it into perspective that this isn't just a
Speaker 3: I need this, get that, get the best possible price
Speaker 3: on it at the best possible time. Like we are
Speaker 3: emotional creatures and there's a lot of factors at play
Speaker 3: in our lives and a lot happens in the timeline before, during,
Speaker 3: and after spending, and so emotions do drive shopping decisions.
Speaker 3: That's not necessarily bad or good. It is I think
Speaker 3: that we can equip ourselves as a result of that,
Speaker 3: and so being able to understand that my emotions played
Speaker 3: into this decision can help us know how do we
Speaker 3: want to prepare ourselves when we're going into these shopping decisions.
Speaker 1: Yeah. I think if it was as simple as stop
Speaker 1: spending money on stuff you don't need, or stop spending
Speaker 1: money outside of what you've planned for, I don't think
Speaker 1: anybody would be listening to this episode. But anytime we
Speaker 1: put impulse buying, impulse purchase, impulse spending in the title
Speaker 1: of a podcast episode, it instantly becomes the top downloaded
Speaker 1: episode of the month, like a kid. You not just
Speaker 1: having the word impulse in the title will make this
Speaker 1: like a top download And so obviously saying don't do
Speaker 1: it isn't enough. Spending is such a complex subject. Spending
Speaker 1: decisions are nuanced, so it's why we were able to
Speaker 1: write an entire book on it. So it's not just
Speaker 1: a chapter in a personal finance book that is overshadowed
Speaker 1: by it's flashier cousins earning and invest staying right. These
Speaker 1: are nuanced decisions that deserve real, like introspective work on
Speaker 1: our emotions, on our time, on all of our spending triggers. Yeah,
Speaker 1: and so impulse purchases or the tactics that companies use
Speaker 1: to drive impulse purchases. They thrive because they are using
Speaker 1: that sense of urgency. They don't want you to take
Speaker 1: those steps to learn the nuances about what's going on,
Speaker 1: what's going on right now, what's the time, what are
Speaker 1: my feelings? You know, what just happened to me. They
Speaker 1: don't want you to take the time to think about
Speaker 1: all of those things. They just want you to act quickly,
Speaker 1: and that drives such a significant percentage of their profits.
Speaker 1: But that's why they do it.
Speaker 3: Yeah, the discounts, the cart reminders, they all tap into
Speaker 3: the fear of missing out, or scarcity mindset, or even
Speaker 3: these feelings of accessing something exclusive. They also talk about
Speaker 3: this concept of social proof, that's the idea of wanting
Speaker 3: something because others have it. So all of these things
Speaker 3: are going to play into why we even want something
Speaker 3: to begin with, Like our desire will fuel our spending
Speaker 3: and purchasing decisions. So a lot of it kind of
Speaker 3: happens before we've actually bought. But these things especially play
Speaker 3: into why we might impulsively make that decision. We've not
Speaker 3: really thought about it before, we're just in the moment,
Speaker 3: and we do it because of the discounts, the cart reminders,
Speaker 3: the countdowns, the you're going to be special and part
Speaker 3: of this cool club because you have this thing, or
Speaker 3: because you've got the deal. And again, this isn't going
Speaker 3: to solve for all of our potential impulse buying. But
Speaker 3: one of the things that we believe is really helpful
Speaker 3: is knowing what are these tactics, Having these constantly in
Speaker 3: the back of our heads to help inform our spending
Speaker 3: decisions wherever we can help create that pause, that awareness
Speaker 3: of self, what we are doing, how we're making decisions,
Speaker 3: can give us that little bit of extra edge that
Speaker 3: we need to make decisions that are in our best
Speaker 3: interest and our values aligned to spending decisions.
Speaker 1: So let's wrap this conversation up with how to avoid
Speaker 1: falling into these pitfalls. And so these are just some
Speaker 1: encouraging things. Even the article says they're not trying. Retailers
Speaker 1: are not trying to rip us off necessarily. They're just
Speaker 1: trying to get us to buy more so they make
Speaker 1: more money. You know who's gonna fault Who's gonna fault
Speaker 1: somebody for wanting more money? Right, I want more money,
Speaker 1: so let me take care of me in that in
Speaker 1: that instance and not take care of somebody else. So
Speaker 1: the experts and we're gonna I'm gonna push back on
Speaker 1: some of these. I'm gonna push back on the first one.
Speaker 1: Unsubscribe from emails or texts from brands and retailers. So
Speaker 1: I definitely say you don't need to be getting texts
Speaker 1: from brands and retailers. I would say the only text
Speaker 1: that I need are from the Mouse Dining Plan saying
Speaker 1: that there is a there's a character dining spot opened
Speaker 1: up for the day and time I want it.
Speaker 3: She's talking about Disney for all you non Disney people.
Speaker 1: So which I can't which I need a text reminder
Speaker 1: because I'm only getting email reminders and I miss it
Speaker 1: every time. But I don't need text reminders on sales
Speaker 1: for things. Yeah, what I do need emails on are
Speaker 1: are like retailers. So specifically, I was thinking, what was it? Okay? Okay?
Speaker 1: So I was looking to get a hotel and I
Speaker 1: ended up going with points on for Hyatt because that's
Speaker 1: where I always stay. But IHG was having an eighty
Speaker 1: percent Like you could move your chase points over to
Speaker 1: IHG with an eighty percent bonus. Ooh nice, which looks
Speaker 1: good on the surface, but it's actually not.
Speaker 3: The point conversion isn't great. I got trapped with that before.
Speaker 1: So there was a sale going on though, where you
Speaker 1: could buy IHG points for like five cents a point
Speaker 1: or something, but you had to be it was a
Speaker 1: customized offer and you had to be on their mailing
Speaker 1: list or you wouldn't see it. So I don't want
Speaker 1: to be getting IHG emails all the time. But and
Speaker 1: I don't stay there. So I was not on their
Speaker 1: mailing list, but I was like, dang, I wish maybe
Speaker 1: if I'd been on their email list, then right now
Speaker 1: when I needed, I could go in there and see
Speaker 1: what my special offer wouldn't be and see if I could,
Speaker 1: you know, get a deal on the points and see
Speaker 1: if that would have been better than using points at Hyatt.
Speaker 3: Yeah.
Speaker 1: I did not end up doing that, but that was
Speaker 1: an instance where I was like, I there are some
Speaker 1: of these retailers. I do want to stay on their
Speaker 1: life just for something like this, but I don't want
Speaker 1: to see it every day. And that's why we use
Speaker 1: unroll me. Gosh, I wish we were stakeholders and not
Speaker 1: coming unroll dot me. And so that rolls up all
Speaker 1: of these subscription emails into one email that you can
Speaker 1: either choose, and they send it to you once a day.
Speaker 1: You can choose whether you want to get it morning, afternoon,
Speaker 1: or evening. You check it once a day, or you
Speaker 1: don't check it. Like for me, if I had an
Speaker 1: IHG newsletter, it would have just gone into enroll me.
Speaker 1: I'd never see it. But then when I wanted it,
Speaker 1: I could have gone into my like my email and
Speaker 1: just searched it and it would have popped right up.
Speaker 1: I don't even have to go search unroll me to
Speaker 1: find it.
Speaker 3: Hot take on this that is just coming to my
Speaker 3: mind at this very moment. You're all you're hearing it.
Speaker 3: Hearing it here. First, folks, if one of the ways
Speaker 3: that we want to be spending better is locally or
Speaker 3: small business, then that could be a reason to be
Speaker 3: signed up for some of these emails, so that then
Speaker 3: you are more likely to buy with the places who
Speaker 3: are saying here's the deal in discount that we're offering.
Speaker 3: So almost using it in your favor as an encourager
Speaker 3: to be aware of what's going on in your community
Speaker 3: and locally. For instance, Eric and I, Eric is a
Speaker 3: part of a mailing list for a local comedy club.
Speaker 3: We love that. It's one of the things that we
Speaker 3: enjoy doing locally, and we have gotten so many amazing
Speaker 3: deals because he's on their mailing list. Like last Friday,
Speaker 3: we were out, we were having dinner, and he happened
Speaker 3: to see this email. I don't know. I don't know
Speaker 3: how he lives his life. I guess he was checking
Speaker 3: his emails and they were somebody had purchased ten tickets
Speaker 3: to the comedy show, so it would be free for
Speaker 3: the first ten people who claim a ticket. So he
Speaker 3: happened to see it fast enough claim two tickets for
Speaker 3: both of us, and we were able to scooter downtown
Speaker 3: and go see a comedy show for free because we
Speaker 3: were part of a local entertainment group's email list.
Speaker 1: Your life is fascinating, Your life is fascinating.
Speaker 3: I don't know. It's mostly pretty boring, but it did
Speaker 3: make me realize I also would push back on these
Speaker 3: unsubscribed from emails. I mean, do if you're realizing I'm
Speaker 3: purchasing things that I definitely don't need. But we could
Speaker 3: also use it in our benefit to spend the way
Speaker 3: we want to be spending.
Speaker 1: Yes, okay, so that's a lot on the first one.
Speaker 1: We want to go me death.
Speaker 3: I don't even care for the rest of them. Honestly,
Speaker 3: here's one plan your shopping sessions to look for specific items. Only.
Speaker 3: If this were as easy as it sounds, then we
Speaker 3: wouldn't be having issues with impulse buying. However, I will
Speaker 3: say there's something here. I think part of this has
Speaker 3: to do with the way that we interrupt our or
Speaker 3: patterns and behaviors. So if you're seeing we're talking specifically
Speaker 3: about online spending, right, So if you're seeing online spending
Speaker 3: is where I impulse shop spend the most, then it
Speaker 3: probably is worthwhile to consider what are some of the
Speaker 3: barriers I can set up for myself. So if you're
Speaker 3: already on your phone, let's say it happens on your phone,
Speaker 3: you're scrolling Instagram, you see an ad for something that
Speaker 3: looks really great. One of the things that I might
Speaker 3: do is put that on my shopping list, Like I
Speaker 3: just keep a Google notes of the thing that I'm
Speaker 3: looking for or the thing that kind of stood out
Speaker 3: to me. And that for me, I'm not saying it's
Speaker 3: going to work for everybody. We try on things that
Speaker 3: kind of helps solve for I've seen it, I've acknowledged
Speaker 3: I want it, it is somewhere listed. Now now I
Speaker 3: can take my time in figuring out is this actually
Speaker 3: something I'm gonna want? Now that it's front of mind,
Speaker 3: it allows me time to look at other options. Am
Speaker 3: I sure that if I want a new bathing suit
Speaker 3: that this is the one I actually want? Should I
Speaker 3: shop around? Am I sure that I actually need a
Speaker 3: new bathing suit? So for me, this and this isn't like,
Speaker 3: oh this happened overnight. For me, this is built over time,
Speaker 3: but it is something I've found works for me. I
Speaker 3: can still engage with the thing that sparked my interest
Speaker 3: that I want and I desire to spend money on.
Speaker 3: But it doesn't mean I have to jump to spending.
Speaker 3: But I can still put action to that desire, like
Speaker 3: writing it down, like researching more, like giving it time
Speaker 3: and maybe doing something else with my energy.
Speaker 1: Yeah, I agree. And set a well defined budget so
Speaker 1: you don't overstudy.
Speaker 3: Yeah wow wow, Well I must.
Speaker 1: Say well defined in what you value. So when you
Speaker 1: are doing your ninety day transaction inventory and you're doing
Speaker 1: your no spend challenge, and you know these are the
Speaker 1: things that I really value spending on. These are the
Speaker 1: things I don't so much. Or maybe I do value this,
Speaker 1: but I've been spending on it a lot lately, and
Speaker 1: I would like to take pause from it for you know,
Speaker 1: a quarter or something that is that's well defined for me,
Speaker 1: not like I can only spend this much on coffee
Speaker 1: and I can only spend this much on eating out
Speaker 1: and YadA, YadA, YadA. That's restrictive, like giving myself a
Speaker 1: defined and what if I get like two dollars over what?
Speaker 3: Then?
Speaker 1: Like, those restrictions are bad there, they lead to unhealthy
Speaker 1: patterns with spending so well defined values, I would say,
Speaker 1: and then you're going to be more easily, you're not
Speaker 1: going to overspend as easily, and you're not going to
Speaker 1: feel as restrictive and need such a restrictive budget. And
Speaker 1: then the last two I actually do. I mean, yeah,
Speaker 1: those are just tried and.
Speaker 3: True compare prices to make sure you're getting the best. Well, yeah,
Speaker 3: and that's one of those action pieces that you can
Speaker 3: put to creating more time and space before the impulse purchase.
Speaker 3: If you're spending time researching and comparing prices, then it's
Speaker 3: becoming less impulsive and more intentional and thought through, and
Speaker 3: then the last one wait twenty four hours before completing
Speaker 3: a purchase.
Speaker 1: So that's a habit thing.
Speaker 3: Yeah.
Speaker 1: I always I'm just leaving things in a cart or
Speaker 1: a wish list, and then I never like instantly go
Speaker 1: kart to check out. It's always sitting there for at
Speaker 1: least a couple days.
Speaker 3: Yeah, And I think if you need to do something
Speaker 3: with that energy, then figure out what works for you.
Speaker 3: Whether it's then you're just going to move to play
Speaker 3: a game on your phone, or you actually need to
Speaker 3: stand up and do some sort of activity. There is
Speaker 3: a real kind of need that's happening when we impulse spend.
Speaker 3: So I think identifying what that need is, what action
Speaker 3: you need to put to the need, can help it
Speaker 3: not feel so deprivation. And you know what, lax restriction
Speaker 3: and deprivation just through and through.
Speaker 1: It's a well defined value for me.
Speaker 4: I think the bill of the week, that's right, it's
Speaker 4: time for the best minute of your entire week. Maybe
Speaker 4: a baby was born and his name is Williams. Maybe
Speaker 4: you paid off your mortgage, maybe your car died and
Speaker 4: you're happy to not have to pay that bill anymore.
Speaker 4: Dust bills, Buffalo Bills, Bill Clon, this is the bill
Speaker 4: of the week.
Speaker 5: Hi ladies, congratulations on your six hundredth episode. It was
Speaker 5: a funny one with the guys. Anyhow, I wanted to
Speaker 5: share what my bill of the week was, and it
Speaker 5: is our outdoor patio. When we initially had spoken with
Speaker 5: the gentleman, he quoted us one figure, and after about
Speaker 5: a week or so of my husband and I'm mulling
Speaker 5: it over, we decided that that was the direction we
Speaker 5: wanted to go. So I called the guy back and
Speaker 5: when he came back with us to sign the contract
Speaker 5: and everything, he had a totally different amount. I questioned
Speaker 5: it and he was a little bit flustered trying to
Speaker 5: figure out how he even came up with that number,
Speaker 5: but he honored it when although it was only a
Speaker 5: couple hundred dollars difference when you're spending several thousands and
Speaker 5: do you want to do it within a budget? You
Speaker 5: want to make sure everything is down to the tee.
Speaker 3: So thank you for.
Speaker 1: All that you guys.
Speaker 5: Do you really have helped me a lot through my
Speaker 5: seasons in my financial journey.
Speaker 1: Thank you. Wow, six hundred, I mean this was one
Speaker 1: to save for.
Speaker 3: The six hundredth episode.
Speaker 1: Yeah, she means the four hundredth episode that was all
Speaker 1: the way back in April.
Speaker 3: That listen, I'll take it if you believe we've come
Speaker 3: to a point of six hundred episodes. I feel honored,
Speaker 3: but also thanks for sharing your bill about your outdoor
Speaker 3: patio and getting that done. I hope it looks beautiful
Speaker 3: and well done. Sticking to an agreed upon amount. I
Speaker 3: think so many times we can get kind of I
Speaker 3: don't want to use the word swindled, it's the only
Speaker 3: word that's coming to mind. I don't know, just kind
Speaker 3: of pushed into a position where we have to pay
Speaker 3: a certain amount just because we're afraid of offending someone
Speaker 3: or hurting someone's feelings, when really we're just trying to
Speaker 3: come to clarity of this is what was said, Why
Speaker 3: is it different now? And if he had had some
Speaker 3: reason for why that was the case, you know, maybe
Speaker 3: there would have been another renegotiation and look at the price.
Speaker 3: But it sounds like he was willing to honor what
Speaker 3: he originally said, which is fantastic. I'm so glad that
Speaker 3: you found a contractor who is reasonable like that. It
Speaker 3: can be hard to come by so stick with them
Speaker 3: if you find so. Thanks for sharing your bill. We
Speaker 3: appreciate that, and thanks for celebrating our four hundredth episode
Speaker 3: with us. We hope you're still here for the six
Speaker 3: six hundred episode. If you all listening, have a bill
Speaker 3: that you want to submit, if it has to do
Speaker 3: with clarity on a bill, stick in to a bill,
Speaker 3: be in billfrugalfriendspodcast dot com, slash bill, leave us your bill,
Speaker 3: and now it's time for they round.
Speaker 1: All right, So our question today, what's the last item
Speaker 1: you purchased online on impulse and do you regret it?
Speaker 1: So I had to go back into my Amazon orders.
Speaker 1: I don't do a lot of unplanned online shopping because
Speaker 1: like it's just become a habit. Like if I want
Speaker 1: some thing, I will put it on the list. If
Speaker 1: I really want it, I put it in the cart
Speaker 1: and I just like wait and I leave it there
Speaker 1: for a time. I also don't have Amazon Prime, so
Speaker 1: I don't like I have to wait if it's under
Speaker 1: thirty five, you know, So that helps me. But I
Speaker 1: would say the it wasn't super impulsive, but I bought
Speaker 1: all the stuff for the Olympics party. Oh yeah, it
Speaker 1: hasn't happened yet as of this recording, so TBD if
Speaker 1: it was about it right now.
Speaker 3: What's the most random thing in that order? For the
Speaker 3: Olympics party?
Speaker 1: Twenty five bouncy balls for kids, extra large bouncy balls.
Speaker 3: And remind all of our listeners why you're getting twenty
Speaker 3: five bouncy balls.
Speaker 1: Because I have organized a child's modern pentathlon with five sports.
Speaker 1: One of those sports is shot put, and that's what
Speaker 1: the bouncy balls are for.
Speaker 3: Uh.
Speaker 1: And they the children will compete to become champion of
Speaker 1: the children, and we will see who the strongest child is.
Speaker 3: I hope you have medals, right, medals are there.
Speaker 1: Too, right there? They are right there.
Speaker 3: Perfect. I'm gonna bring my sharpian rite Champion of the
Speaker 3: Children on all of them.
Speaker 1: Deal. They are at my house now. They have already
Speaker 1: been covered.
Speaker 3: Uh. That's so exciting. I can't wait. Will you post
Speaker 3: any pictures on Instagram? Probably love a party, Okay, there's
Speaker 3: a reason to follow frugal friends and modern forgure.
Speaker 1: Probably not pictures of other people's children, but maybe the backs.
Speaker 3: Of their heads. Okay, uh okay, So for me, I
Speaker 3: am not an online line shopper, and I hope that
Speaker 3: that doesn't make me unrelatable. Surely there's a listener here
Speaker 3: who also doesn't online shop. Uh so myam pulse decisions
Speaker 3: are much more likely to happen in person. But but
Speaker 3: here you go. I do have an example for you.
Speaker 3: I did this week by floaties online. Pool floats. Now,
Speaker 3: I can't say not like not like for your arms,
Speaker 3: like a pool float, pool float the kind I think
Speaker 3: they call them pool hammocks, so you don't have to
Speaker 3: blow up a ton. We used to have circular floats,
Speaker 3: but we would never and we got them for free,
Speaker 3: and then they were starting to deteriorate and we never
Speaker 3: took them because we didn't have a pump, And so
Speaker 3: you're just sitting there on the beach about to pass out,
Speaker 3: trying to get this big old ring full of air.
Speaker 3: But then they make these hams that you just have
Speaker 3: to blow up the top and bottom, super quick and
Speaker 3: easy and super packable. Because we fourth of July is
Speaker 3: coming up at the time that we record this episode,
Speaker 3: and you need pool floats for that. We've been going
Speaker 3: to the beach and hanging out at sandbars and we
Speaker 3: want pool floats for that too. And so this has
Speaker 3: been on my mind, and then we got a gift
Speaker 3: card recently, a twenty dollars Amazon gift card, so it
Speaker 3: covered it, so I can't say I regret it.
Speaker 1: No, those are great. I actually have some of those
Speaker 1: and will be bringing them to the fourth of July.
Speaker 3: Perfect. Yeah. Yeah, So I don't know, And maybe this
Speaker 3: is a thing where Jenna and I are both saying, like, yes,
Speaker 3: we have impulse bought in our lives. Sometimes it still happens,
Speaker 3: but I guess there's a message of hope here that, like,
Speaker 3: it's not a huge part of my spending behavior your
Speaker 3: at this point in life, Like some of the things
Speaker 3: that we have talked about can and do work. And
Speaker 3: I think a lot of it has to do with
Speaker 3: identifying your impulse spending kryptonite. Like for me, it's not online,
Speaker 3: but I can understand what would lead to impulsive spending,
Speaker 3: so I can talk to that. But I think figuring out, yes,
Speaker 3: it's because of Instagram, it's because of Amazon, it's because
Speaker 3: of my email list, it's because of when I'm in person,
Speaker 3: it's because when I'm celebrating, Like we each have to
Speaker 3: identify when are we most susceptible to purchases that we
Speaker 3: didn't necessarily want to make, and then building out patterns
Speaker 3: and habits and routines around that. And I think, at
Speaker 3: least for me, like I've come to a point where
Speaker 3: that is working. I'm not perfect, but I can make
Speaker 3: spending decisions that I feel good about, especially on gift cards,
Speaker 3: where it's really not even a spending decision. So true,
Speaker 3: so true.
Speaker 1: Yeah, Oh well, we hope that this has helped you
Speaker 1: with some of your online impulse spending decisions. I mean,
Speaker 1: I'm an online shopper. I do most of my shopping online,
Speaker 1: so I know that it is something that I have
Speaker 1: to actively think about and get over these specific things.
Speaker 1: And so I hoped you it helped you in some way,
Speaker 1: and we would love if it did help you. If
Speaker 1: you could leave a review similar to this one. This
Speaker 1: Jammorama ding Dong understood the assignment, and I know you
Speaker 1: will too. Jammorama says, this ridiculous, Just what I need.
Speaker 1: I've been diving into lots of personal finance podcasts past
Speaker 1: couple of years and have been on a journey. This
Speaker 1: show has become one of my favorite listens. Do they
Speaker 1: know what they're doing? No? But do any of us
Speaker 1: really are they unhinged, Yes, but aren't we? All the
Speaker 1: hosts inclusive perspectives make me feel less alone. I've gotten
Speaker 1: tons of practical ideas. The show is so much fun
Speaker 1: and I look forward to listening every time. Thank you,
Speaker 1: Jamarama ding Dong.
Speaker 3: That's amazing. Do we know what we're doing now? Are
Speaker 3: we un hinge? Yes? And you understood the assignment in
Speaker 3: giving the people a heads up on what to expect
Speaker 3: from this show. So if they're not into that, then
Speaker 3: they won't listen and they won't leave us a one star.
Speaker 3: But if they are into that, they're gonna listen and
Speaker 3: they're gonna leave us five stars. Like all of you
Speaker 3: who made it this far in the episode, thank you
Speaker 3: for listening, and if you did enjoy the fact that
Speaker 3: we don't know what we're doing and we're slightly unhinged,
Speaker 3: please do take a minute to leave a rating and
Speaker 3: review it. Truly, it helps us, it helps us, help
Speaker 3: helps others. I can talk one day.
Speaker 1: You are able to have one day?
Speaker 3: Okay, bye?
Speaker 1: Google Friends is produced by Eric Sirianni.
Speaker 3: Okay Jen.
Speaker 1: Yes.
Speaker 3: When I was in high school, I worked at this
Speaker 3: water ice place. Do you know what water ice is?
Speaker 1: I know what Rita's is. Okay, we have them here.
Speaker 3: Yes, on the east coast. I don't think Rita's. So
Speaker 3: there's a water ice place called Rita's. I think originally
Speaker 3: they only were in the northeast. They've expanded since it's great.
Speaker 1: There's also Jeremiah's, which is similar.
Speaker 3: Okay, I've not heard of that one. Yeah, and my
Speaker 3: boss was I don't even know how to describe him.
Speaker 3: I'm not even gonna try, but he was the if
Speaker 3: you got time to lean, you got time to clean
Speaker 3: kind and you absolutely had to upsell every single thing.
Speaker 3: And I hated it. I don't want to force, coarse
Speaker 3: manipulate anybody into anything, but it was a requirement, and
Speaker 3: especially on the days that the boss was there standing
Speaker 3: behind your shoulders, you had to do the up cell. Oh.
Speaker 3: It went against every fiber of my being. What's an
Speaker 3: up cell? Oh? I'll tell you. Oh, I'll tell you.
Speaker 3: Do you want a swirl of custard on top? Do
Speaker 3: you want to add a soft pretzel to that? That's
Speaker 3: about it? Oh? Do you want it? Do you want
Speaker 3: a fountain soda?
Speaker 1: Why would you want a fountain soda with a water ice?
Speaker 3: I don't even think we had fountain sodas. Never mind,
Speaker 3: if that was lemonade, there you go. I think lemonade,
Speaker 3: soft pretzel, extra thing, sprinkles, an extra little dollup of custard.
Speaker 1: Did it already have custard in it?
Speaker 3: It depends on what you want it. You could do
Speaker 3: a custard ice combo. You could just do ice. You
Speaker 3: could just do uh huh yeah, oh yeah, Oh I
Speaker 3: loved the water ice custard combo. Absolutely. Did anyone ever
Speaker 3: take me up on my upsell? Nope? But there was
Speaker 3: one time that someone that someone called it out that
Speaker 3: he was like, oh wow, very nice upsell. I don't
Speaker 3: know why it has turned into a core memory for me.
Speaker 3: He didn't purchase the thing I was trying to get
Speaker 3: him to buy, but he did acknowledge it, and I felt,
Speaker 3: I think I felt a little bit like caught, like, oh,
Speaker 3: this is supposed to just be a natural question. And
Speaker 3: the fact that they knew what I was doing, that
Speaker 3: they called it an up cell, it felt very uncomfortable
Speaker 3: for me. Yeah, No, I did not like it.
Speaker 1: Yeah, you felt like you were doing something in secret, but.
Speaker 3: Really, yeah, like trying to manipulate them to do something
Speaker 3: without them really knowing it, but still giving me more
Speaker 3: of their money. I just I don't like it. I
Speaker 3: still don't like it. Like if you wanted a pretzel,
Speaker 3: you would have ordered a pretzel, and here I am
Speaker 3: trying to get you to do it.
Speaker 1: Yeah. Well, I mean, thank god you worked at Rita's
Speaker 1: because I worked at the Gap and we were required
Speaker 1: to upsell everyone to.
Speaker 3: Eat the credit card. I hate those questions.
Speaker 1: Yeah, that was very rough, and your performance and your
Speaker 1: shifts were all based on how many credit cards you
Speaker 1: could sell. Nobody cared how much merchandise you sold or upsold, like,
Speaker 1: nobody cared about the merchandise. It was all about the
Speaker 1: credit cards.
Speaker 3: And now there's even stores will there they will ding
Speaker 3: a bell when someone signs up for the credit card.
Speaker 3: I think like Marshalls or TJ Max has started to
Speaker 3: do that, and it's just like if you're shopping and
Speaker 3: all throughout the store, they're just like, somebody just signed up. Bark,
Speaker 3: don't dj BX rewards, don't just don't do not. Those
Speaker 3: are not the good kinds of credit cards.
Speaker 1: Yet the cuss get the upsell at Rita's, do not
Speaker 1: of the upsell at GAFT and Marshals