Avoiding sales pressure

Last updated: 21 October 2026

Many purchases happen in the moment, not because we planned them. Online ads, social media and special deals can make it feel like we need to buy now.

Recognise impulse buying

Sales, discounts, social media recommendations and personalised advertising can encourage you to make quick decisions or buy something before you've had time to think it through. 

Impulse purchases often happen when something catches your attention or creates a sense of urgency. You might worry about missing out on a deal, feel tempted by a discount, or simply buy something because it's easy and convenient. 

Not every impulse purchase is a problem. But if unplanned spending becomes a habit, it can make it harder to stick to your budget, save for future goals or stay in control of your money. 

A small pause before buying can make a big difference. Taking a moment to consider whether a purchase is affordable, necessary and right for you can help you make more confident spending decisions. 

5 questions to ask yourself before you buy 

Impulse purchases often happen when you make a quick decision without stopping to think about whether a purchase is right for you. Before buying something that wasn't part of your plan, take a few minutes to ask yourself these questions: 

1. Can I afford it?  Think about how the purchase fits into your budget. Will you have enough money left for bills, savings goals and other expenses? Will you need to use buy now pay later, or a credit card, or another form of debt to buy it? 
2. Do I need it right now?  Some purchases are worth making straight away. Others can wait. If you're unsure, give yourself some time to think before buying. 
3. Have I compared my options? Check prices, features and reviews before making a decision. You may find a better deal, a more suitable product, or decide you don't need it at all. 
4. What will it cost in the long run? The purchase price is not always the full cost. Consider whether there are ongoing costs, such as subscriptions, maintenance, insurance, fees or interest charges. 
5. Will I still want it tomorrow? Try waiting at least 24 hours before making an unplanned purchase. 

Giving yourself time to think can help you decide whether it's something you genuinely want or simply a reaction to the moment. 

Know what you can afford 

A budget can help you see how much money you have coming in, where it’s going and what you can afford to spend. Use our Budget Planner to make a budget and plan for the things that matter to you. 

Some sales tactics to watch for 

Businesses use different marketing techniques to encourage people to buy. Sometimes this can make it harder to slow down and think about whether a purchase is right for you. Examples include: 

Limited-time offers. Messages such as "Sale ends today" can create a sense of urgency and make you feel like you need to act quickly. Before you buy, ask yourself whether you would still want the item if there wasn't a deadline. 

Sales and discounts. A discount can save you money if you were already planning to buy something. But buying something you don't need simply because it's on sale can leave you worse off. 

Scarcity messages. Claims such as "Selling fast" or "Almost sold out" can create fear of missing out. Focus on whether the purchase meets your needs and fits your budget. 

Reviews and recommendations. Reviews, testimonials and recommendations from influencers, celebrities or social media personalities can influence what you buy.  

If a special offer is making you feel rushed, take a step back and revisit the 5 questions to ask yourself before you buy. 

A good deal isn't always a good decision 

Advertisers, retailers and financial providers all want you to choose their product. But you're the one who has to live with the decision. 

Before you buy, pause and ask yourself whether the purchase fits your needs, your budget and your goals. If the answer isn't clear, give yourself more time.