Easy access, a wide range of products, and attractive promotions have turned online shopping into an everyday lifestyle. However, this convenience also brings new challenges. Many people are easily tempted by flash sales, free shipping, and buy now, pay later services offered by e-commerce platforms. Without proper control, these spending habits can harm personal financial planning.
To stay financially healthy, it’s important to set a dedicated budget for e-commerce shopping. Here are some strategies to follow:
1. Set an Online Shopping Budget
Decide on a maximum limit (for example, 20% of your income) specifically for e-commerce spending.
2. Differentiate Needs vs. Wants
Prioritize essential purchases and avoid buying just because of discounts or flash sales.
3. Use Promotions Wisely
Take advantage of cashback, free shipping, or vouchers only when they match your actual needs not just because “it would be a waste not to use them.”
4. Track and Monitor Your Spending
Use the notes feature in your e-wallet or a finance app to keep track of transactions and make sure you don’t exceed your budget.
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