When life feels uncertain or stressful, many people turn to spending money as a way to feel better. It gives a sense of control…even if just for a moment.

Buying something small, like a new shirt or takeaways, can feel like you're doing something for yourself. It’s a way of saying, “I’m in charge.” And when things feel out of control, that’s powerful. It feels like taking back control.

This behaviour is often called emotional spending. It’s when we buy not because we need something, but because of how we feel. People might spend when they feel bored, stressed, anxious, or even lonely. In tough financial times (like when your already overwhelmed by debt) it can feel like spending is one of the only things you can control.

And so, we spend.

But this feeling of power doesn’t last. You might feel good in the moment, but that glow can fade quickly—especially when you check your account later and see that you’ve gone over budget. For people already living with limited funds, these small “treats” can cause serious problems. A R200 fast food order might mean skipping a necessary debt repayment. A R500 new jacket might mean running out of electricity or petrol before the end of the month.

The truth is: emotional spending is natural, but it can be very dangerous if you’re trying to stick to a tight budget or pay off all your debts. So, what can you do?

Pause Before You Purchase

When you feel the urge to buy something, STOP. Wait 24 hours. Let your emotions settle. Often, the urgent feeling passes, and you’ll realise you didn’t really need or even want the item. Not really. Not enough to make yourself even bigger problems.

Think Ahead

Ask yourself: If I spend this now, what won’t I be able to pay for later? Will this purchase make my life easier or harder in the next few days or weeks?

Save for the Things You Want

This is a habit we should all cultivate. If there’s something you really want, plan for it. Put aside a small amount each week. This gives you the satisfaction of working toward a goal, and when you finally buy the item, it’s a guilt free win.

Replace the Feeling

If spending gives you a good feeling that you later can’t really afford then you need to find alternatives. Find other ways to feel good that don’t involve spending. Go for a walk. Watch a favourite movie at home. Talk to a close friend. Emotional needs are real. We need to recognise that and give ourselves the relief and releaser that we need. You just need healthier ways to do so.

Talk to A Debt Counsellor

If you find yourself in this trap of emotional spending or struggling with your budget, speak to a NCR registered debt counsellor. They can help you adjust look at your expenses and debt and suggest ways to manage spending triggers. You don’t have to face it alone.

Taking control of your money (and overcoming debt) is a journey. There will be moments when you feel tired, frustrated, or tempted. That’s natural. Even if you do occasionally go off the rails, that’s ok. What matters is getting back on track. Real power isn’t in spending. It’s in sticking to your plan, even when it’s hard. That’s how you build a better future