Should I Buy It ?

Is this a

or a

A need is something that although you can live without, you feel it is necessary

A want id something that you desire to have, but life would certainly go on without it

Do you already have something similar?

This question helps you consider whether this upgrade is entirely necessary. Sometimes, we are mentally persuaded to make an on the spot purchase for something that will likely just be used once and then stored away. Consider whether you already have something that is comparable and that works. Over time you may find that self discipline when making purchases is more satisfying.

Am I going to tell your Spouse/Partner about this purchase?

We are firm in the belief that all purchases should be discussed with anyone you share finances with. These conversations MAY BE DIFFICULT at times. We may feel that some purchases are better not disclosed. Unfortunately, many have made the mistake of attempting to hide their spending habits. Often, they are found out. But even if not found it, there is a secrecy that is not healthy. So, be healthy. Have the difficult conversation before you make the purchase. Your relationship will improve as you openly and honestly discuss all purchases with your partner or spouse.

Can I borrow it from someone?

Some people just hate borrowing stuff from a family member or neighbor. We have become an increasingly sheltered society. We don’t like to go to our neighbors houses. We prefer to have it all on our own. Consider whether we can be a little more neighborly and share what we have, so that others may want to do the same in return.

Is this a Credit Card Purchase?

Your #1 goal should be to get out of consumer debt. You likely got into consumer debt by making purchases that didn’t have to be made. Sorry to be stubborn on this issue, but you should probably spend any loose change at paying down debt and award yourself when you are debt free.

Have I asked my Friends/Family about it?

If you are planning on making a large purchase, it is often wise to send out a text/tweet/facebook message before you pull the trigger. Often, someone in your social network will have recommendations for a cheaper option, a discount or will persuade you from the purchase. When making a large purchase (or small) it is nice to run it by someone else first.

Is this a soul or body improving purchase?

Tools are required to improve our souls and lives. If you are into yoga, you will need a yoga mat and equipment. If you are into meditation, you will need instructions. If you play sports, you may need a ball. If you are a runner, you need shoes and clothes. These are the types of purchases that increase our overall health and wellness and align us with the centers of our spirituality. We always recommend these purchases. As they increase our energy and often decrease our need for consumption.

Can I delay the purchase?

If you can delay a purchase for a month or two, it might be wise to do so. The longer you delay, the longer the lifespan of your current product. Sometimes when we delay, the desire to purchase goes away entirely. Try to stay away from emotional or trigger purchases.

Have I looked for a lower cost alternative?

Just because it is on Amazon, doesn’t mean it is the best price. Some prices are actually inflated on Amazon. Amazon doesn’t set the prices, individual sellers in the market place do. All you have to do is GOOGLE the item you want to purchase. You will see immediately if Amazon is the best price.

Is this purchase within my budget?

If you are making a purchase that is outside of your budget, you should sit down and reconsider whether the benefit outweighs the cost. It is more prudent, financially, to budget in for this purchase in next months budget. Than you have a cool down period to re-think what you are about to buy.

Can I get this product used?

Although used is not always better, some products are almost as good in used condition (golf clubs, vehicles, books). Check on ebay and your local thrift stores and Craigslist. Ask friends, neighbors or family if they have a used version of the product you are interested in. Often times a used product is just as reliable as a new one and you can get it for Half the Price or better.

Have I googled for discounts or coupons?

A lot of websites have free coupons online all the time. You can easily save 20% or more by doing one search.

Is this Toy or other Product that will end up at the Bottom of Storage Box?

Consider all of the items in your house that you never use. Never use means less than once a year. There are tons of these products. They are everywhere. If your purchase will be used once and then will wind up in the Goodwill sack, reconsider what you are about to do.

Moderation on Kids Toys:

We are really down on toys. Not that toys are bad, just that the over consumption of toys for kids is getting out of hand. A gift or two at Christmas and for a birthday are nice memories that can bring families together. Spontaneous purchases of toys that we buy in hopes that are kids will use them, is just not a good idea.

Are you stressed out or depressed?

Some people make emotional purchase to try to fill voids in their life. Maybe you are stressing out about relationships, jobs or life in general. If this is the case, we recommend taking a walk, talking to a counselor, communicating with a trusted friend. WE DO NOT recommend making purchases in this state of mind. This is where spending becomes addictive and negative.

Is this a selfish purchase?

Purchasing things for yourself is good. But when we become selfish about our consumption and forget about others, this is where we spending can become negative. So have you considered a friend in need? Have you looked at donating to a charity?

Is this a gift for someone else?

On a Balance, sometimes giving a nice gift that will improve a relationship is more important than the cost (within reason). So we allow you to remove some spending inhibition when you are doing it for someone else. Especially when this is an anniversary or birthday present.

Are you a cheapskate?

Nobody likes a cheapskate. So shake off your conditioned response to spending money and open your wallet a little.

Are you buying a book or educational material?

If yes, go for it.

Will buying this make you happy in the long run?

Think of the things you have purchased in your life. Out of these things, which of them do you still derive satisfaction from?

Will this purchase encourage outdoor/recreational activity?

Spending money on things that get you outside may boost your overall happiness and success. We recommend frisbees, hiking boots, camping gear, bicycles, anything that will keep you active and your mind fresh.

How Bad do you Really want to Buy this?

Think Before you Buy

Like Us:

Best Headphones for under $8.00

NameSummaryBuy on Amazon

My #1 Choice for Cheap Headphones. I have them. I run with them everyday. They are not going to blow you away with the quality of sound. Yet, both sides work and they hold up to exercise.

Heck. For $6.66 these are golden.

Appx $6.66

Funny that I am reviewing these CHEAP old headphones. Not that I'm proud of myself. Just that I am a cheap bastard who can't stand spending money. I'll probably spend as much on buying a lot of these and watching them breakdown. bigge

Appx $5.00
These are surprisingly pretty good quality for jogger headphones. I don't like this style, so I won't buy them, but I would say these are the best CHEAP sports clip headphones. bigge

Appx $8.00

Under $5 dollars for these? Whatever, I'll get a pair for my kids for Christmas. They won't know the difference. bigge

Appx $5.00


Panasonic On-Ear Stereo Headphones



Why buy $8.00 Headphones?

They are actually only $6.66.  But with tax that puts them over $7.00.  They are PRIME Shipping.  So, let’s discuss some of the reasons that I’m picking these Cheap Headphones:

1).  Price:  I don’t like to spend a lot of money on Headphones.  Sorry.  There are things that I like to spend money on.  Headphones are not one of them.  I don’t need surround sound, bluetooth, noise cancelling.  I just need something that gets the audio from my smart phone to my ears while I jog.

best cheap headphones

2).  Comfort:  I don’t like to wear the ear buds or the Sports clips.  They hurt my ears.  Instead, I need something with a little bit of padding between the headhpone plastic and my ear.  The panasonic is not going to lull you to sleep with comfort.  But, I don’t notice any pain:panasonic on ear headphone review

3).  Reliability:  When you are in this race to the bottom to find the cheapest headphones, you might sometimes end up with ones that break or that only play out of one ear or that you have to jiggle the cord to get the sound to come out of.  The Panasonic On Ear headphones have given me ZERO problems.  I have owned them for 6 months and I jog daily at the gym:

panasonic on ear headphone review

Summary:  You are not going to break any audio records with these Panasonic On Ear Headphones.  But if you are looking for something to give your kids or use yourself that are CHEAP CHEAP CHEAP.  I think these work really well:


Panasonic On-Ear Stereo Headphones



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