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What are the benefits of impulse spending?? Inside this episode, we’re talking about the benefits of impulse spending, and how to determine impulse spending versus habitual smart money decisions. So let’s do this!

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Podcast Key Points

0:00 – Episode Overview
1:30 – Impulse Spending & Your Mindset
3:30 – Scaling What You’re Spending
3:51 – Episode Sponsorship – Impulse Spending Like A Pro Series
4:55 – Impulse Spending Verses Smart Money Decision
7:43 – Play Account
8:49 – Recap
10:09 – Challenge: Access Impulse Spending Like A Pro Series

Feel guilty about your impulse spending? This 4-day video series to help you spend in a way that feels good for you and your budget – guilt free!

The Benefits Of Impulse Spending

What are the benefits of impulse spending? In this episode, we’re talking about the benefits of impulse spending, what they are, and how to determine impulse spending versus habitual smart money decisions. Okay, so let’s do this.

Welcome to the “Your Money Your Life” podcast. I’m your host, Aimee Cerka. After over 10 years in the personal finance industry and multiple personal financial and medical crises, I was fed up with the lies being shouted from the rooftops by the gurus and the media. So now, I help you, the ambitious woman, step into unstoppable finances.

When you step into unstoppable finances, you create financial abundance that aligns with your personal values and goals, without working 80-hour work weeks, without pinching pennies, and without worrying how you’ll handle the next curveball life throws your way. And in a simple, to-the-point kind of way, being married, having four kids at home homeschooling, being a CEO, running the household, I’m kind of busy, and I know that you are too.

So here, we get straight to the point. If you’re ready to eliminate fear, stress, struggle, frustration, and guilt from your finances and all the areas they affect, you’re in the right place.

Welcome. I’m so glad you’re here.

Positive Money Mindset

Welcome back to another episode on the “Your Money Your Life” podcast. Last week, we talked about why impulse spending is bad. This week, we’re talking about the benefits of impulse spending. Okay, because, like we talked about last week, there are benefits of impulse spending, and we should be doing that.

And we want to keep doing the things that are, okay, we’re human, we don’t want to do hard things, like some of us, yes, we know, okay, we have to do these things, because it’s required of us, and there’s some sort of negative consequence if we don’t. But when you flip that over, and you do things because you know there’s a positive outcome, it is so much more, so much more fun.

That was really great grammar up there, Aimee. It’s way better for you in your relationship, and you’re going to see better results because you’re not playing so much mind games, and you’re looking forward to something. We want to keep doing what we’re looking forward to, which is why we need to impulse spend.

Impulse Spending and Income Growth

The other reason that we need to impulse spend is we want our income to grow, right? That is actually going to be a large focus for us in Q1, towards the end of Q1 for this year, we’re going to be doing a lot. We’re going to be doing a lot of work to help you grow your income. Because I know I’ve heard time and time again that’s what you want to do, right. But, together, the money magnifier toolkit last year, if you joined us inside the academy, you’ve got access to that.

This year, we’re really going to dive into it. So, make sure that you’re subscribed or connected so that you can get all the details because that’s coming, okay.

But as your income grows, you’re going to be able to scale how much you get to spend, so you can go do more fun stuff. All right. Those are the benefits, right? Because when we have that positive money mindset in that relationship, you want to do more of the things that you know you need to do, and you don’t dread it. That’s the key, okay.

What Are The Benefits of Impulse Spending?

This episode of the “Your Money Your Life” podcast is brought to you by “Impulse Spending like a Pro: The Right Way” series. Ready to learn the right way to impulse spend? Because not all impulse spending is bad, then this video series might be just for you.

Inside of these videos, you’ll learn what impulse spending is, the right way to impulse spend, what you need to keep, what you need to ditch, and how to put it all together so that you can impulse spend the right way. To check out the “Impulse Spending like a Pro” series and step into unstoppable finances that work for you, your money, your life, simply text “impulse” to 817-969-4653 or visit Of course, if you need that link again, it’s hanging out in the show notes for you.

Determining Impulse Spending Versus Habitual Smart Money Decision

Now the second thing I wanted to make sure we covered today is we have to determine impulse spending versus a smart money decision.

Okay, we talked about the 24-hour rule last week, but it bears repeating. Because it’s such a powerful tool. So when you utilize the 24 hour rule, if you have something that you want to buy that you did not already plan.

This is not groceries. This is like, “Oh, I want to go buy that new, whatever it is, and we’re going on a clothes shopping trip“. Okay, and you’re gonna spend more than $100.

It was a little iffy, it’s really supposed to be one item, okay? We’ll say $100. You set the limit. So if money is tighter, and it needs to be $50, then make it be $50, okay. But we’ll say $100.

So $100 woman, you have something and that’s like really awesome. You want to buy it, it’s just what you want, just what you need. Okay. But you had not already set the intention that that’s what you wanted to buy, and you were waiting for it to go on sale.

So it doesn’t matter, it’s on sale. If you hadn’t already picked this thing out, right? You need to wait 24 hours before you make that purchase, okay? Because you’re going to be able to wait and see if it’s an impulse spend or if it’s something you actually need-want.

Okay, there’s a difference. How many times have we bought things that we don’t just love? I think it is in, it’s not “Facing the Giants“. It’s another football movie. Darn, what is the name of that movie?

They adopt this teenager; this is based off a true story. They adopt this teenager, and he is with them, and their clothes shopping is the mom and the teenage boy, and the clothes shopping. And she says there in the store. She’s like, “if you don’t love it, here, you’re not gonna like it at home.

Crap, I really wish I could remember that name of that movie. Okay, if you knew what movie I’m talking about. It’s the football movie, they adopt the kid. He wasn’t really great, but they put him on the football team.

And then they show how he really becomes amazing and goes to the college team. It’s based off a true story. If you know what I’m talking about, please send me a message because I’m like, racking my brain right now and I cannot remember what this movie is called.

But anyways, she says when we run a clothing store, “if you don’t love it here, you’re not going to like it at home.” And that is so true.

Okay, because we always love things the most when we’re at the store, because there’s excitement about buying it. Now, if you follow the 24 hour rule, once you wait 24 hours, if it’s something that you still want, then you’re still going to want it and then you can go get it as long as you actually have the money in the “Play” account, which we talked briefly about last week.

The “Play” account is a part of your budget that you utilize, it’s a percentage of the budget that you utilize to go have fun. It’s a requirement, you have to go have fun.

So when you determine that this is a smart money decision, you’ve waited 24 hours, you’ve determined it’s something that you actually want, and you have money in the “Play” account, those are the key three things. Now within the “Play” account, you’re going to have your money to blow.

And if you’re married, your spouse has their own money to blow as well, that’s yours to go do whatever you want with it, legally, morally, ethically. There’s no problem because typically one of us is wanting to save the money and one of us wants to spend. Having those sub-accounts where you take the money out, so the other one doesn’t even have to see how much money is in that account or fund, it solves so many problems. Marriages are saved and all that.

Okay. That’s really it for today.

Maintaining a Positive Money Relationship

The benefits of impulse spending, like we’ve talked about, is a positive money relationship. I don’t think I’ve been able to stress the importance of getting that part right. When you dread something, you’re not going to attract more of it.

And yes, we have to go out there and do the work. But we are also very powerful in the words we say and the thoughts we think, that is all very powerful as well. There’s a balance there.

And I think that’s one of the things that my clients come to me and tell me, is that I have the balance there between the practicality and the “woo” stuff.

Okay. So your money relationship is so critical. We have to think positively about money if we want to move forward. That makes it scalable. And then we talked about the 24-hour rule. And then you’ll be able to know if it’s something you actually want.

And if you’re making a smaller impulse purchase, just stop and ask yourself, “Okay, am I buying this because this is something that I want or am I feeling really high, a really crazy emotion and this is just a stress-release moment?”

And if it is a stress-release moment, that doesn’t necessarily mean that it’s bad. Okay, you can still get into those sometimes. And again, the last thing we need to check is if you had the money in the Play account.

Your Challenge: Take Action

Now, your challenge for today, I want you to go access the “Impulse Spending Like a Pro” video series to be able to take this to the next level. There are so many gurus out there that are telling you “no spend challenges” and all these things, and I want you to have the right solid foundations that are going to last.

Okay, we’re at the end of January. I want a month-to-month focus for now. I don’t want you to fall off the bandwagon because you went too hardcore at something that didn’t stick. The “Impulse Spending Like a Pro” video series is your challenge for today. I want you to access that. And if you went through it with us last year, go access it again. Repetition is key.

To grab that, text “impulse” to 817-969-4653 or simply visit Of course, I’ve got all the links for you in the show notes if you missed it or if you’re driving.

So with that, we’ll see you next week on the “Your Money Your Life” podcast. Bye for now.

Thank you so much for listening to the “Your Money Your Life” podcast.

Exploring Personalized Support

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Go to to get started with one of our most popular programs, or you can book a Q&A call with me, and we’ll figure out what your next step should be.

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Aimee Cerka
Aimee Cerka

The Money Confidence Coach - She helps motivated women, like you create the happiness, family life, financial security, and long-term wealth they deserve. Create unstoppable finances so that when the next curveball is thrown your way... You're prepared. Click Here to Learn More

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