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My Biggest Budget Buster

April 28, 2010 by Lulu in Daily life with 11 Comments


I have tried to stick to a budget and even implemented a zero based budget that I generally meet on a monthly basis. However there are times when I do go over my budget…I am only human!

I have found that my biggest budget buster is ….
Walmart.

The times when I have gone over my budget it was due to too many trips to WallyWorld to get various items. I do make a shopping list and stick to it but I find myself adding things to the shopping list as they get low and then running back to the store to stock up the pantry for the end of days. The only thing that I really need to get on a weekly basis is fruit as that tends to go ripe after a few days and I like my fruit a little on the green side.

I also have a bad weakness for bath gels and body splashes, especially since my favorite scents usually get discontinued and I have a hard time trying to find it.

It does not help that I live less than two miles from Walmart so I keep thinking I can just run to the store to get something and then I come home with something extra. I need to really go no more than twice a week so that I can stay on track.


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11 Comments

  1. Mr Credit CardApril 28, 2010 at 8:14 amReply

    how ironic ! that walmart makes you overspend..discount stores are no different from credit cards offering 0% tempting deals or car dealers offering rebates and 0% financing. It is more subtle, putting items they want to sell at your eye levels, making you go through all the isles!!

  2. textbook rentalsApril 28, 2010 at 8:35 amReply

    I totally know what you mean, except my wallyworld is 20 minutes away but i tend to over buy there as well, and when I forget something its another 20 minute trek there and another 20 min. back. Walmart is great but quite the black hole for my bank account.

    • LuLuGalApril 29, 2010 at 6:50 amReplyAuthor

      I guess we both need to go to WallyAnonymous!!!!!

      • textbook rentalsMay 5, 2010 at 10:24 amReply

        You are right about that! I wonder if that could be a good Blog. WallyWorldAnonymous…..how to cope with good deals and not overspending.

  3. Credit GirlApril 29, 2010 at 3:20 pmReply

    Oh my! I know exactly what you mean…Whenever I go to those megastores that I tend to get lost in.. I have to come with a plan! And my plan is to go straight to the aisle that I need to get my item from and that’s it. It is hard though when everything is just calling my name!

  4. Net Age Web DesignMay 2, 2010 at 12:19 amReply

    Hahahahah! The mega stores are masters at ambush marketing, and the fact that they can even catch somebody with your kind of fiscal discipline speaks volumes for the effectiveness of their marketing strategies. Ulitmately prevention will have to rate as the best cure in this instance. Try not to go there :-) That is my trick to escape my impulse buying urges.

  5. Weekly Summary and Stuff You Should ReadMay 2, 2010 at 1:16 pmReply

    [...] charge for bags and carry-ons. Are they just being nice to use? Perhaps not. She also tells us how Walmart actually causes her to bust her budget. (see, there is always a price to [...]

  6. Forex TipsMay 4, 2010 at 9:47 pmReply

    I find it very hard to stick to my shopping list especially when I am with my wife.

    I always think that those promotion is created to lure people like her. She will grab on any promotion on products that she uses and she will not take only one but maybe a half year supplies. This usually burst our shopping budget.

  7. Mallory KotOctober 24, 2010 at 12:45 amReply

    @admin: I just have to say your blog is the first I’ve come across this morning that doesn’t have spelling errors every other line. Thank you for taking the time to write something that doesn’t look like a 5th grader put together. Sorry, just had to vent.

  8. Monthly Financial Update: April 2010 | How I Save Money.netJanuary 25, 2012 at 8:41 amReply

    [...] to come out in the black this month and it was to the tune of $317.05, despite being sidetracked by overspending at Walmart. I am sure that part of it was due to my reduced bills since I cut the cable as well but since I [...]

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