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ADHD in Women

impulse buying???

Any of you ladies have trouble managing your money? I work part time and all my salary goes to QVC. But I don’t buy from the TV, so turning it off doesn’t work. I buy from their website and I am a sucker for the five easy payments.  I’ve sent six boxes of stuff back to QVC this week, but it still costs me money for postage. Because I’m making those five easy payments constantly,  I’m constantly broke! If I’m not buying from QVC,  I’m buying on ebay.  Or Walmart. I’ve been like this my entire life.  My bills are always paid on time,  but I never have two nickels to rub together,  as my dad would have said. Anyone have any practical advice for…...nanasusie???

Replies

You know what your weakness is—being a sucker for the “5 easy installments.”  That’s still buying on credit, & constantly buying on credit creates that problem of never having two nickels to rub together.  The only way to fix that problem is to stop buying anything on credit.  There’s no magic formula that I know of to get rid of the Live Now Pay Later mentality other than some good old-fashioned self-control.  Either you truly want to be in a better financial position (and so therefore you do what it takes—no purchases unless & until you have the entire sum to lump down in cold hard cash right then & there) or you just keep on doing it the same old way (yet somehow expect different results).

Posted by BC on Jun 18, 2014 at 3:17am

I get it.  I read something on this site about grocery stores.  The way they lay out their store displays is like ROCKET FUEL to us with ADD.  Made me laugh cause it’s so true. There are only 2 of us in the family and I buy and shop like there’s 6. What a terrible waste of food , not to mention I’m going broke.  We live quite close to a store so all of our needs could be met within 15 minutes if need be.  I know I’m a sucker…I am more aware of it now than ever before.  So knowing it’s rocket fuel to us helps.  I talked to my partner and everything made good sense.  a reasonable enough adjustment No Problem…...Yesterday we were going to make eggplant.  I bought 2….????????
I’m a work in progress,  so are you!!!!!!

Posted by jetergirl on Jun 19, 2014 at 1:38am

Yes, I agree I need to excercise better self control. Over the past weekend I ordered 7 items from QVC. I managed to cancel 5 of them before they shipped. Of the last 6 items I purchased from them, I returned 4. Im assuming I’ll soon tire of paying the return shipping fee and I’ll quit impulse ordering. I’m definitely a work in progress. Ebay is a different story. I have to limit myself to selling there, and stop buying.

Posted by nanasusie on Jun 19, 2014 at 4:21pm

Hi nanasusie!

If you really want to stop purchasing from QVC, try blocking the website on your computer. If you can’t access it, you cannot buy from it. wink

I don’t have specific suggestions on how to do this, but I’m sure you can determine that with a quick google search.

I’ve also heard of people breaking habits like these by implementing a replacement activity. For example, I knew someone who quit smoking by having a pocket full of gummy bears at all times. If he wanted to smoke, he ate a gummy bear. He ate a LOT of gummy bears, but eventually, his impulse became to eat or chew something rather than smoke. So, is there an activity that you could do instead, each time you have the impulse to get on the computer and shop? Maybe put a post-it note right on your computer screen reminding you to do that replacement activity each time you go to the computer to shop?

Knowing you want to quit a habit is a big part of the battle. Keep working at it.

Penny
ADDconnect Moderator, Author & Mom to Tween Boy with ADHD and LDs

Posted by adhdmomma on Jun 19, 2014 at 5:21pm

You’re not alone! We recently asked ADDitude readers about their most extravagant impulse buys, and the answers might make you feel a little better about your QVC addiction: http://www.additudemag.com/adhd/article/9584.html

But, of course, the best way to feel better is to figure out how to stop the impulse buying. This article has some good advice about setting a budget, and making sticking to it a game with rewards for a job well done: http://www.additudemag.com/adhd/article/929.html.

I also like this ADHD-friendly savings guide: http://www.additudemag.com/slideshow/64/slide-1.html

I hope this helps!

Posted by Anni Rodgers on Jun 20, 2014 at 3:27pm

O dear!all these posts are so familier!i buy from ebay reasoning is i,ve lost weight and nothing fits,
      In stores i impulse buy get it home and try on and wonder what they .... I was thinking,i do think it has to do with our self esteem too,
    One way i try ( doesnt always work ) is go around the store put in the cart what you want and as i,m walking i start saying” do i really need that ” etc and sometimes by the time i,ve gotten to checkout i,ve put the items elsewhere ,keep the chin up glad i,m not alone

Posted by Newfairfield Rose on Jun 20, 2014 at 6:07pm
Posted by ZenPM on Jun 20, 2014 at 7:22pm

I feel your pain.  I too fight the QVC attraction
My debit card had expired and I stopped getting auto delivery and weaned myself off of watching so much of their shows.. They also have several hosts that do not appeal to me, so it is easy to change the channel
And yes I too make trips to return items, you would think this would get me to stop as much trouble as it is,
Good luck   Know that you are not alone!!

Posted by novaera on Jun 20, 2014 at 11:15pm

In defense of poor QVC,  they charge no interest on their five or six easy payments. And I only use my debit card to buy from them. Never a credit card. So I just have to stop buying. Period. I’ve used their easy payments to purchase items like my computer and tv, and that helps me since I’m on a small salary and social security. Still…...it would be nice to have two nickels to rub together at the end of the month.

Posted by nanasusie on Jun 21, 2014 at 2:28am

And we, too, have purchased big ticket items on the 0%-financing/multi-payment plans.  It is still buying “on credit” however because you get the item before it is paid for.  It is incentive enough for even those of us who positively refuse to EVER buy anything but a house or a car on credit (me).  So imagine how much & how often it ENTICES people who do NOT strictly follow that financial plan…lots!  And that is precisely why QVC and others offer this type of financing; it is still a huge money-making apparatus for them because a sizable chunk of people will fail to pay it off in time then get charged finance charges out the wazoo!  They are BANKING on you not having two nickels to rub together but buying Just One More QVC item you simply cannot live without…then GOTCHA, immediate penalties & finance charges begin to accrue.  “Poor QVC” my foot!  They prey on the weak no different than the scummiest payday lender.

Posted by BC on Jun 21, 2014 at 3:23am

Ouch!!! First of all QVC never charges interest, if you don’t pay they just don’t let you do easy payments anymore. The big problem is, people pay the payments by credit card and then let the card balance accrue interest, etc.. I do agree they make it tempting to overspend. It has worked well for me because I was able to purchase big ticket items like computers and TVs I couldn’t afford to pay all at once. Because I only used my debit card, I never paid a penny in interest. I agree, they make it easy for people to go into debt, but they don’t have to involve credit charges. That’s where self control comes into play. I’m working on that!!!

Posted by nanasusie on Jun 24, 2014 at 9:19pm

I have had this type of shopping addiction all my life and it led me to join Debtors’ Anonymous. It was through dealing with that problem and my extreme distaste and reluctance for dealing seriously with money issues that I came to realize its ADD. If you read Driven to Distraction there is a chapter in there about how 12 step groups can help ADD folk. I find it invaluable, but stopping debting and impulse buying is not easy. But there are many of us ADD folks in there.

Posted by kkmn on Jun 24, 2014 at 9:31pm

Just one more word of advice.  When you use your debit card for making online purchases you are setting yourself up for really big trouble in the event that there is a data breach.  Maybe QVC won’t get hacked, but so-called Man In The Middle Attacks are quite sophisticated these days (& very prevalent).  When/if a hacker gets your debit card # there are none of the usual protections that credit cards have which will limit your liability; hackers can drain your entire checking account and leave you at the mercy of your bank to determine how much you will owe the bank…

Posted by BC on Jun 24, 2014 at 11:13pm

I agree, I recognize this impulse buying is definitely ADD behavior. I plan to check out Debtors Anonymous and other suggestions you all have generously given me in this thread. I liked the suggestion about substituting something else instead of buying stuff. This week, I tried crocheting every time I felt the urge to buy something. I’m looking around for something else, as no one here needs winter hats this time of year. Perhaps sketching, I have all the materials to do that. Onward and Upward!!!!

Posted by nanasusie on Jun 24, 2014 at 11:15pm

I’ve been doing everything on line for years. I pay all my bills each month on line through my bank. Everything I purchase on line goes through Mr Rebates first. We are all vulnerable to hacking and theft, especially if you pay by check because then they have your account number, address, and signature to boot. It’s actually literally safer to pay online. My only hacking defense is that I’m hoping they go after the wealthy folk rather than an old lady on Social Security. There are countless ways all companies can be hacked. Like it or not, everything is run by computers today and so we need to protect ourselves as best we can.

Posted by nanasusie on Jun 24, 2014 at 11:45pm

Guilty!

Posted by Jjingram on Jul 17, 2014 at 6:02pm

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