When facing financial worries, some shoppers will tighten their budgets and focus on only purchasing necessities, while others may, in a strategy of denial, purchase now and pay later by borrowing or utilizing a credit card. Those that are able to borrow or use a credit card may find that focusing on smaller purchases and budgeting according to the payments and finance charges can help to avoid going into deeper debt. Some may also opt for discount stores and special offers in order to save money. Ultimately, the most sensible approach is for shoppers to assess their financial situation and to make responsible decisions in terms of both purchases and payment options.
