Bad Credit? How to Shop When You Have No Money

Just because you have no money, doesn’t mean that you have to miss out on shopping! Learn here how to shop with you are broke AF and have no money!

Although it’s nice to go shopping with a credit card, not everyone can do it.

Some people simply have bad credit or no money. If this is your case, you might have to get creative when you need to go shopping.

In this article, we’ll teach you how to shop when you have no money.

Bad Credit? How to Shop When You Have No Money

Think About Accessorizing

Accessories tend to be a lot cheaper than buying a new shirt or a pair of pants.

When you get the urge to shop, but your wallet doesn’t allow you to buy whole new wardrobe accessories could be just the thing you need.

A nice necklace or a scarf can make any outfit look more elegant and expensive than it is. You can have a plain white tee and wear it with all types of accessories to dress it up or down.

Wait for Sales

If you see a piece of clothing you really want to buy, wait a few weeks or months until it goes on sale.

You should also make a habit to only shop the sale racks to stop the urge of buying full price items.

You will feel so much better when you get three items for the price of one. Also, don’t forget to ask the sales associates or cashiers if items have an extra discount.

Buy Quality Vs Quantity

It’s true that when you shop quality versus quantity you have to shop less often. Focus on buying quality pieces you know will last longer and won’t fall apart.

You should buy some key quality pieces to your wardrobe that you know won’t go out of style.

Avoid shopping fast fashion trends that no one will care about in a few months. Instead, shop for neutrals that will never go out of style and you can dress up or down depending on the season.

Don’t Shop for the Season

If you shop for cold weather clothes in winter, chances are you’ll pay a lot more for them.

Instead of shopping for the current season, you should shop the opposite.

Those expensive winter coats will be a lot cheaper when you buy them in the spring, and the same can be for winter boots.

You might not be fond of waiting for almost a whole year to wear your new finds, but your wallet will thank you later.

Hunt for Hidden Treasures

If you can’t wait for a sale or don’t want to shop the opposite season, there’s no reason why you can’t treat yourself here and there.

But instead of shopping for the first thing you see on the rack, make sure you hunt for treasures instead.

Take your time at the store. And if there’s an item you really like, then you should shop around for the same item to see if you can find it cheaper somewhere else.

Give Thrifting a Shot

People might be a bit hesitant to go thrift shopping, but if they shop in the right stores, they can find many great things.

You never know when you’ll find a vintage designer item for a fraction of the price. Sometimes people drop off clothing and accessories at thrift stores without knowing the actual value.

If you’re lucky to find such a piece, then you’ll have a great deal in your hands. Thrift stores are also a great place to shop for Halloween customs.

Set Yourself a Fun Spending Budget

If you want to still enjoy a little fun or shop with your friends here and there, there’s no reason why you shouldn’t.

What you have to do is set a little fun money every check. It doesn’t have to be a large quantity, but if you don’t shop every week, it can really add up.

Setting aside fun money will ensure you shop guilt free every once in a while.

Sign Up for Store Newsletters

When you have bad credit and have to shop with cash, you should take advantage of every sale possible.

Make it a habit to sign up for your favorite stores’ newsletters. This way you will get emails whenever there’s a sale before everyone else does. You can then decide if the sale is worth it.

Another idea is to sign up for the store’s rewards cards to accumulate points and discounts with each purchase.

Don’t Shop Because There’s a Sale

A big mistake a lot of people make is shopping every time they see a sale. You might think like you’re saving money by shopping sales, but you’re not in the long run.

Ask yourself whether or not you’re shopping because you like the item or because it’s on sale.

Most of the time the items someone buys on sale end up shoved in the back of the closet and not used. Only get items you absolutely love.

Set Money Aside for Big Purchases

Every once in a while you will need to shop for big-ticket items like a TV or furniture. When you have bad credit, it might seem impossible to get those big-ticket items.

What you should do is set a little money aside so when you have to buy something that is expensive, you won’t feel it as much.

And if a big purchase happens at an unexpected time, you can always try no credit check loans.

Trade Clothes Instead of Buying

If you have clothes in your closet you no longer use, trading them can be a great way to help you get new ones without spending a penny.

In case your friends don’t share the same style, why not try an online trading site.

All you have to do is set up a profile take a few photos and start trading.

How to Shop With No Credit: The Bottom Line

It takes some skill to learn how to shop with no credit, but it doesn’t mean it can’t be done.

Make sure you set aside fun money, shop quality not quantity, and don’t shop the current seasons.

If you want more clothing tips so you can always sport the latest styles, check out the rest of our blog.

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