{"id":6100,"date":"2026-02-06T12:39:37","date_gmt":"2026-02-06T18:39:37","guid":{"rendered":"https:\/\/www.accrediteddebtrelief.com\/blog\/?p=6100"},"modified":"2026-02-06T12:39:38","modified_gmt":"2026-02-06T18:39:38","slug":"want-to-stop-overspending-add-friction-to-online-shopping","status":"publish","type":"post","link":"https:\/\/www.accrediteddebtrelief.com\/blog\/want-to-stop-overspending-add-friction-to-online-shopping\/","title":{"rendered":"Want to Stop Overspending? Add Friction to Online Shopping."},"content":{"rendered":"\n

These days, you\u2019re often just one click away from an impulse buy<\/a>. That ease can also make overspending feel like an accident. But you can take back control of your spending by adding \u201cfriction\u201d to your transactions. Friction slows things down, and a delay gives you an opportunity to think before spending your next paycheck. <\/p>\n\n\n\n

Simple Ways to Slow Down<\/h2>\n\n\n\n

Delete Saved Credit Cards in Social Media Apps<\/h4>\n\n\n\n

If you\u2019ve ever bought something on a social media site, know that you\u2019re not alone. In fact, a recent report suggests that 70% of active users<\/a> shop on Instagram. To protect yourself from impulse spending<\/a> on social media, unlink your cards from these platforms. By adding a roadblock to the purchasing process, you can make a world of difference to your budget<\/p>\n\n\n\n

Delay Purchases by 24 Hours<\/h4>\n\n\n\n

This one helps build discipline \u2014 if you see something you want, leave it in your cart for a full day. You\u2019ll find that the thing you wanted in the moment often loses its sheen<\/a>, making it easier for you to decide if this purchase is absolutely worth it (or if your money could be better spent elsewhere). <\/p>\n\n\n\n

Try the Envelope Method <\/h4>\n\n\n\n

It\u2019s a classic budgeting move for a reason \u2014 when you budget your fun money as cash, you cut online shopping out of the picture entirely. The envelope method<\/a> can put a lot of friction between you and other kinds of impulse spending too: Consider the difference between one tap and physically going to the store to buy something, and then paying with actual money right then-and-there. And when that money is gone, it\u2019s gone, making it difficult to overspend.<\/p>\n\n\n\n

Friction Helps Change Habits<\/h2>\n\n\n\n

Just because you\u2019re being financially responsible doesn\u2019t mean you can\u2019t have fun. After all, financial wellness is about making sure your money goes toward the things that actually help you<\/a> reach your goals \u2014 not the stuff that can delay your success.<\/p>\n\n\n\n

But if your credit card balances are already high, it can feel like these small steps aren’t enough. At Accredited Debt Relief, we help people find a way out of debt faster \u2014 and can even help you save 40% or more every month on eligible debt payments. <\/p>\n\n\n\n

Get a Free, No-Obligation Savings Estimate<\/h3>\n\n\n