Which type of impulse spender are you?

05/05/26 - Tuesday

May 05, 2026

 

Hey friend,

Before we get into today’s episode, I want to invite you into something really meaningful ❤️

A few friends and I are running the Walt Disney World Marathon Weekend, and we’re raising money for Ronald McDonald House Charities.

This organization does something incredibly simple and incredibly powerful: it keeps families together when a child is seriously ill.

When parents are facing the unimaginable, a sick child far from home, Ronald McDonald House gives them a safe, warm place to sleep, eat, and breathe, just steps from the hospital.

No family should have to choose between being by their child’s bedside and having a roof over their head.

The actual cost to house a family for one night is $165. Families are only asked to contribute $15, and no one is turned away if they can’t afford even that. The rest is covered by donations.

If you’re able to give, even a little, it truly makes a difference. And we will send anyone who donates over $25 a “Frugal Not Cheap” tote bag! Just reply to this email with confirmation and your address.

Now… let’s talk impulse spending.

In this week’s episode, we’re breaking down an article that categorizes the different ways we impulse spend and honestly… you might see yourself in more than one.

Because impulse spending isn’t just about lack of discipline.
It’s about patterns.

In the episode, we walk through the 7 types, like:

  • the deal chaser who can’t pass up a “good price”

  • the emotional spender who shops to cope

  • the aspirational spender buying for a future version of themselves

And once you can name your pattern, you can actually do something about it.

Here’s what we want you to take away:

Impulse spending isn’t a personality flaw.
It’s a habit loop.
And habits can change.

✨ Try this this week

The next time you feel the urge to buy something unplanned, pause and ask:

👉 Which type of impulse spender am I being right now?
👉 What am I actually looking for here?

Sometimes it’s boredom.
Sometimes it’s stress.
Sometimes it’s just really good marketing.

But naming it helps you decide if the purchase is actually worth it.

Because the goal isn’t to never impulse spend again.

It’s to spend in a way that actually aligns with what you want, not just what you feel in the moment.

Time to start thinking about NEXT YEAR’S Taxes

I’m so sorry but it’ll only take a moment I promise! Here’s a quick way you can save money on taxes next year.

If you have a high deductible health plan or are considering one, you NEED to be contributing to an HSA. If you don’t have one, HSA for America is a great place to start. **

A Health Savings Account (HSA) offers a triple-tax benefit: contributions are tax-deductible (or pre-tax via payroll), earnings grow tax-deferred, and withdrawals are tax-free for qualified medical expenses.

To put that into perspective, if you’re in the 24% marginal federal income tax bracket, every $1,000 you contribute to an HSA can save you $255 in taxes next year and infinitely more money on the growth in retirement (probably around $500 per $1,000 contributed)

Look now at your HSA options through work, and if you don’t have one check out HSA For America because the earlier you start contributing the more you can get in there!

If you listen to the episode, reply and tell me:
Which type are you?

No judgment. We’ve been all 7 at some point 😉

Talk soon,
Jen

**Means this is a sponsored or affiliate section. We may earn a small fee or commission when you choose to try one of our sponsor or affiliate partners. But opinions are still 1000% our own.