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We’re talking about what impulse spending is, whether it can ever be justified, and how you can reduce impulse spending without sacrificing your lifestyle. So let’s do this!

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Why Is Impulse Spending Bad? Resources

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Podcast Key Points

0:00 – Episode Overview
1:30 – Why Is Impulse Spending Bad?
3:02 – Episode Sponsorship – Free Impulse Spending Like A Pro Video Series
4:15 – Unstoppable Finances & Impulse Spending
5:52 – 24 Hour Rule
6:59 – How To Reduce Impulse Spending
9:22 – Why The Extreme Impulse Spending Is Bad
10:07 – Challenge: You’re Worthy Of Spending Money On Yourself

Feeling Guilty About Your Impulse Spending?

Uncover this simple strategy so you can spend your hard-earned money without guilt…
So you don’t have to hide Amazon boxes or your splurges any longer!

Read: Why Is Impulse Spending Bad?

Inside this episode, we’re talking about what impulse spending is, can it ever be justified, and how you can reduce impulse spending without sacrificing your lifestyle. 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 or being shouted from the rooftops by the gurus and the media. So now I’ll 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 hours plus work weeks, without pinching pennies, without worrying how you’ll handle the next curveball life throws your way.

And as 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. Welcome back to the Your Money Your Life podcast. I’m so excited that you’re here with me because we’re going to be talking about something that I’m kind of passionate about—actually, pretty passionate about.

Impulse Spending Definition

So impulse spending and the question that I wanted to make sure that today’s episode answered, is “Why is impulse spending bad?” So to be able to do that, let’s start, like, surface level: What is impulse spending? What’s the definition?

Okay, so the definition of impulse spending is the buying of goods without planning to do so in advance as a result of a sudden whim or impulse. Okay, so buying things that we haven’t planned on buying this can be there’s two different types of impulse spending.

Some of us are, like, the large item impulse spender, so, like, you will do really good. You don’t spend a lot but then all of a sudden, like you go buy a new TV. And then there’s the other side where we avoid the big purchases, but we’ll go convenience store or fast food ourselves into a lot of money and just spending a lot of money.

Can Impulse Spending Ever Be Justified?

Okay, so can impulse spending ever be justified? An answer is absolutely yes. And I’m hoping you knew that because you’ve been hanging out, and if you’re new to the world, yes, you knew to my world in the way that I teach you. Talk, teach, whoa. We’re going to find our words here in a minute.

Impulse Spending Like A Pro

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 then what you need to keep what you need to ditch, and how to put it all together so that you can impulse then the right way to check out the impulse spending like a pro series in step into unstoppable finances, that works for you, your money, your life, simply text impulse to 817-969-4653 or visit And of course, if you need that link again, it’s hanging out in the show notes for you.

Impulse spending can be justified. In fact, it’s required to create a positive relationship with money and actually truly move forward to step into those unstoppable finances. So that when life happens, you’re not like you still have the peace and sample finances. We talked about this a couple weeks ago, but I’m going to continue to talk about it because I find that this is the key.

This is the part we had to figure out. This is not about creating a life where there’s no obstacles. No, no trials or tribulations like that’s not gonna happen. Okay. But when you stop into unstoppable finances, the stuff that comes up isn’t a problem. You still have that peace. You’re not freaking out. You don’t have to go into panic mode. It’s not like this massive roller coaster because you know you’ve got a handle. 

So to be able to step into unstoppable finances, you have to impulse spend, okay? Within your budget, like we talked about inside budgeting simplify, which is the DIY course that I have that teaches you how to budget stressful, stress-free in just four weeks, why not make sure there’s a link to it below in the show notes description, wherever you’re watching, listen to that so that you can check that out if you would like to?

But inside budgeting simplify we talk about that we percentage based budget because it solves the problems of like, all the budgeting problems out there solves them, okay. Within that percentage base budgeting, we have what we call our “Play Account”; your play account is designed to spend money on. You have to spend money to have that positive association.

So impulse spending within your Play account is definitely encouraged. Now, if you are somebody who does the large-item impulse spending, then I have an additional tool to help you out. This is called the 24-hour rule. So we’ll set we’ll say $100. If you’re going to buy something that’s more than $100, you have to wait 24 hours before you purchase it.

The only exception to this is if you’ve done the research, you know exactly what you want; you’ve been waiting for it to go on sale. That’s fine, goes on sale and you weren’t planning on purchasing it, you have to wait 24 hours.

The reason being is if it’s an emotional purchase, just that impulse spend, like I don’t actually really want it, I don’t actually really need it. Within 24 hours after the 24 hours is up, it’ll lose like it’s I don’t know specialness and won’t be as like enticing. But if it’s something that you really want, you’re still gonna want it after 24 hours, and then go by it as long as your play account allows you to do that.

So again, you have to have the budget set up so you know what you have in your account, or in your play fun play account, to spend. Okay, but you can impulse spend, as long as you honor the 24-hour rule and you have money in your play account to do that. Okay. So how do you reduce impulse spending? Okay.

Now, this episode, of course, you heard is sponsored by the impulse spending, like a pro video series. It’s a four-part video series, absolutely free; you can grab that. Again, if you missed that link already, it’s hanging out the show notes for you. Go check that out. I mean, that dives into this. You can watch it; you can take notes, all the things, okay.

How To Reduce Impulse Spending

So how do you reduce impulse spending? You need to have the Play Account. Okay? In the moment, though, when you’re going to make a decision you’re going to go make a purchase, you have to separate yourself from the emotion. So you have to be able to look at it objectively.

This is not something that can be learned or even taught like overnight; this is a skill that you’re going to have to continually work to develop.

There are I mean, there’s still times that I do it that I buy out of emotion, most of the time, I’m at least aware that I’m doing it, okay, that we’re catching this. So it’s a skill.

So you have to think about like, “Okay, what is the motivator?” Why am I buying this, and that is actually day one of the impulse spending like a pro video series like that is what we talked about is why we impulse spend. And there’s four core things that we do. And I dive into all that inside the video series.

Okay. So, in the moment, is this an emotional purchase? Or is this something that you’re doing to treat yourself? Are you justifying? Do I need this because of this? Or is this something that you rightfully deserve? There is a balance here, and there is not? Like so many other things we’ve talked about.

It’s not like a black-and-white thing; it depends on your situation. That’s why it’s so important that we work together to help you step into the unstoppable finances because it’s not just I can give you all the information, I try to give you so much of the information, but to actually make it work for you and your life, your money your life got that.

We have to make it personalized and we have to get into the “it depends” moments.

Okay. So we talked about what impulse spending was we talked about if it can ever be justified, how to reduce impulse spending. So why is impulse spending bad? Why does it have such a negative stigma? And the reason is because so many times it’s projected that we have to go like all or nothing.

That is why I’m not a fan of Dave Ramsey and some of the things that he teaches because it it’s so extreme. It’s not sustainable.

Okay. Impulse spending in general isn’t bad. When we go to the extreme and we’re doing excessively more than our budget can withstand. Then it’s bad. If you’re not impulse spending and you’re doing like no-spend challenges all the time that again, that’s bad too. So it’s not everything in healthy moderation, right? Okay. That’s really what we’re getting at.

I want you to know that you are worthy of spending money on yourself, and you are worthy of spending money on yourself in the right way. And there’s you can totally do that. I believe in you.

So your challenge today is kind of simple. I want you to send me a message on Instagram, or if you are texting on the exclusive text, getting the action steps for me or the exclusive information via text, you can text to me as well, @aimeecerka on Instagram, if you want to send me a message on Instagram.

What I want you to say, though, because I want you to say this out loud right now as well. “I am worthy of spending money on myself.” Okay, I am worthy of spending money on myself. Send it to me on Instagram @aimeecerka or text it to me 817-969-4653. That is it for this week. And we’ll see you next week for another episode of the Your Money Your Life podcast. Bye for now.

Thank you so much for listening to the Your Money Your Life podcast. Wondering what’s next? When you’re ready, there are different levels of support that you can use on the path to creating unstoppable finances and your unstoppable life. After all, your finances are unique, and your support should be too. Ultimately, we’ll create a customized plan to ditch financial struggle for good that works for you, your goals, your priorities, your life.

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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