Add Speed Bumps to Impulse Buys

Add small delays and limits to slow impulse buys, so spending feels steadier and more deliberate.

5–10 mins
Daily
Effort: Moderate
Ingredient: Financial Security & Stability
Feeling secure and confident about your finances

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Set small limits: Decide your daily or weekly budget and stick to it.

Remove shortcuts: Log out of shopping apps or turn off quick-buy options to slow spending.

24-hour hold: For anything over ₹X (you choose), wait a day. If you still want it tomorrow, buy it.

Before buying anything over ₹X, wait a day and see if you still want it.

Tiny speed bumps cut impulse spend and end-of-month surprises. That steadiness builds control and confidence without banning small joys.

“This will be a hassle.” → Whitelist essentials (groceries, medicines, travel). Keep limits only for shopping/food apps.
“What if I need to buy quickly?” → Allow a temporary override for real needs; put the limit back after.
“I still want treats.” → Keep a small “fun” amount each week; the guardrails are for impulses, not joy.

Don’t block payments for health, safety, or work. Never share OTPs/PINs. If an app timer causes stress, keep only the 24-hour hold rule.