The “Unhinged” Tricks That Actually Work
Let’s break down a few of the best ones that caught fire online — and why they’re secretly kind of genius.
1. Pay your credit card every time you feel like shopping online.
Instead of giving in to the impulse, you redirect that energy into progress. The rush of hitting “purchase” gets replaced by the satisfaction of knocking a few dollars off your debt. Instant gratification, but smarter.
2. Take a photo of what you want instead of buying it.
Sounds silly, right? But this one works because it tricks your brain into feeling ownership. You’ve “captured” it, so the need to spend fades. Plus, looking back at your “things I didn’t buy” photo album can become a badge of self-control.
3. Lock your debit and credit cards.
Many banking apps now let you toggle spending access on and off. Keeping them locked adds a micro barrier between you and that impulsive click. Sometimes that three-second pause is all you need to remember: you don’t actually need another candle.
4. Ask yourself: “If I could have this item for free or take the money, which would I choose?”
The mental clarity this question gives is wild. Most people realize they’d rather have the cash, not the object. It reframes value immediately.
5. Remind yourself: “This will end up at a garage sale for $2.”
Ouch, but true. Imagining the item collecting dust — or being resold for pennies — breaks the illusion that it’s something you have to own.
6. Tell yourself, “You don’t have the money yet — get it with your next paycheck.”
This one is about delayed gratification without punishment. You’re not saying “no.” You’re saying “not yet.” It turns saving into a self-respecting choice instead of deprivation.
These might sound unserious on the surface — but they’re all rooted in behavioral psychology. Each one creates friction between thought and action, giving your brain a second to make a conscious decision.
