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Louisiana FCU Blog

Louisiana Federal Credit Union Blog

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Impulse Saving

I hate to admit it, but I’m an impulse shopper. I have an intense urge to spend. I find it gratifying. It’s fun. It makes me smile.

Enter Impulse Saving—an idea that I stumbled upon a few weeks ago at According to the financial whiz kids at Daily Worth, impulse saving taps into the same part of your brain as impulse buying. Here’s how it works: You spot a <insert something you fancy> while you’re out shopping. You cradle it in your hands, and start justifying the expense in your head. (“This is awesome! And it’s only $18.99!”) But instead of buying it, you whip out your phone and transfer $18.99 from your checking account into a special savings account... one with a name like “Christmas in Bermuda.” You toss the fancy little thing and rejoice in the dopamine glow of having impulsively paid for a portion of your hot winter week on the beach (or your retirement RV, if that’s what gets your blood up.)

This is a seriously amazing idea, right?!

My impulsive self has decided to give it a try. So instead of spending the rest of my summer filling a closet with sun dresses that I’ll probably never wear, I’m saving for a trip to Key West. This November, I’m going to stand next to my best friend on the beach and watch her marry the man of her dreams. What’s equally blissful is the idea that this trip might not break my bank account.

I'll keep you posted on my progress.

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