Skip to main content
Northwestern Mutual Northwestern Mutual
Primary Navigation
  • Home
  • About Us
    • About Us Overview
    • Working With an Advisor
    • Our Financial Strength
    • Sustainability and Impact
  • Financial Planning
    • Financial Planning Overview
    • Retirement Planning
      • Retirement Planning Overview
      • Retirement Calculator Beach chair icon
    • College Savings Plans
    • Private Wealth Management
    • Estate Planning
    • Long-Term Care
    • Business Services
  • Insurance
    • Insurance Overview
    • Life Insurance
      • Life Insurance Overview
      • Whole Life Insurance
      • Universal Life Insurance
      • Variable Universal Life Insurance
      • Term Life Insurance
      • Life Insurance Calculator Shield icon
    • Disability Insurance
      • Disability Insurance Overview
      • Disability Insurance  For Individuals
      • Disability Insurance  For Doctors and Dentists
      • Disability Insurance Calculator Money Parachute icon
    • Long-Term Care
    • Income Annuities
  • Investments
    • Investments Overview
    • Brokerage Accounts & Services
    • Private Wealth Management
    • Investment Advisory Services
    • Fixed & Variable Annuities
    • Market Commentary
  • Life & Money
    • Life & Money Overview
    • Educational Resources About Financial Planning
    • Educational Resources About Investing
    • Educational Resources About Insurance
    • Educational Resources About Everyday Money
    • Educational Resources About Family & Work
    • Market Commentary
    • Podcast
Utility Navigation
  • Find a Financial Advisor
  • Claims
  • Life & Money
  • Everyday Money
  • Managing Finances

10 Ways Retailers Get You to Overspend — And How to Outsmart Them


  • Natasha Burton
  • Jan 31, 2019
woman shopping for clothes
Going into a store with a set purpose is only half the battle. Photo credit: Getty Images
share Share on Facebook Share on X Share on LinkedIn Share via Email

It’s no secret that both online and brick-and-mortar stores are designed to encourage you to spend as much money as possible. But if you're trying to shop smarter, you should know the strategies stores use to push you toward those superfluous buys.

Here are the most notorious retail tricks. Learn how to outsmart them the next time you're shopping.

1. CHANGING UP THE STORE LAYOUT

You may think you know your favorite store as well as your own home, but a closer look reveals otherwise. "Many retailers have taken up the practice of regularly moving around their products in order to keep you moving around, scanning the shelves and ultimately buying more," says shopping and trends expert Sara Skirboll. If you come in looking for a specific product, ask a salesperson to direct you right to it — that way, you don't end up browsing (and buying) things you don't need.

2. PLAYING OFF YOUR EMOTIONS

Shopping can be a highly emotional experience, and stores capitalize on this. "Music, for instance, can help put people in a good mood," says psychologist Ben Michaelis, Ph.D. Feeling good can translate into feeling more generous.

Another way stores hit that emotional nerve is by showcasing a lifestyle (looking at you, Anthropologie). With a little help from model photography or motivational slogans, “stores subtly encourage consumers to spend a little more or buy one more thing to get closer to their ideal image of themselves," Michaelis explains. If you often get caught up in the moment inside a store, consider shopping online instead.

3. USING DECEPTIVE MIRRORS

Yep, it's a thing. According to shopping expert Andrea Woroch, clothing retailers may use tilted mirrors or dim lighting in fitting rooms to make shoppers appear leaner or tanner. She advises always checking your reflection in a mirror on the sales floor and making sure you can return items for a full refund just in case they don't look quite as stellar on you at home.

4. GETTING YOUR ATTENTION WITH 'SALES'

Sales aren't meant to save you money — they're meant to drive profits. "Retailers use urgency by promoting limited-time deals such as 'daily deals' or 'one-day only' to make you think it's the absolute final chance to shop at rock-bottom clearance prices, even though it rarely is," Woroch explains. Resist the lure of flash sales and use tools like RankTracer to help you compare prices and find better deals.

5. OFFERING FOOD SAMPLES

Unless an item really piques your interest, avoid samples at supermarkets, Skirboll warns. "Many studies have shown that providing free samples can boost sales by at least 30 percent — up to as much as 2,000 percent — swaying you to buy things you never planned on purchasing," she explains. Bring your own snacks or eat beforehand so you won't be tempted.

6. BAITING YOU WITH A 'FREE' GIFT

Getting something free puts people in a good mood, thus encouraging spending, Michaelis says. "If we are wavering on a purchase because of price, a free gift can feel like the just the extra little push we need to get us to open our wallets," he explains.

But know that these "gifts" are designed to encourage you to spend more. For example, a bonus gift card will likely lead you to spend more than a card’s value, Skirboll says. Or a beauty sample may lead to full-size purchases. Always analyze what you're getting.

7. SUPERSIZING SHOPPING CARTS

If you've wondered why shopping carts seem massive these days, it's because a bigger cart encourages people to fill it up with more stuff, Woroch says. Use a hand basket instead — you'll be forced to stick to your list.

8. STRATEGICALLY PLACING IMPULSE BUYS

Stores often place bins or displays of smaller items by the register, tempting you to grab just one (or five) more things before checkout.

"While these items are often a great way to try products you may be curious about at a lower cost, be careful not to pick up so many things that your bill balloons," Skirboll says. "Avoid this by setting a spending limit before walking into the store."

9. MAKING ONLINE PURCHASES WAY TOO EASY

Online retailers have their own tricks. "It’s no secret that Amazon’s 'one click' purchase feature, for instance, is super convenient," Skirboll says. "But when you have to take the moment to enter in your billing, shipping and credit card information, it gives you time to reflect and make sure you really want to make that purchase." Turn off one-click ordering, and don't save your information on websites. If you don't compete a purchase, empty your cart, lest you end up with emails nudging you to buy those left-behind items.

10. ENTICING YOU WITH FREE SHIPPING

While free shipping is a wonderful thing, free shipping minimums are designed to get you to spend more than you intend. "Most shoppers would prefer to receive more things they want versus spend less and pay a shipping cost," Skirboll says. Once you have the goods at home, you're more likely to keep them than deal with the hassle of returns. So, only shop online retailers that offer free shipping with no minimums or wait until the website is running a free shipping promotion.

Social Security is an important part of your financial plan.

Your financial advisor can show you how Social Security will work to reinforce your retirement savings. And they’ll show you how it can help you live the life you want in retirement.

Let's get started
Left Dotted Pattern
Right Dotted Pattern

Want more? Get financial tips, tools, and more with our monthly newsletter.

Related Articles

article
Kids getting on a bus as they head back to school.

My Back to School Shopping Tricks

Learn more
article
a couple shopping at the grocery store

How Retailers Trick You into Spending More

Learn more
article
Woman opening up package of clothes.

What Happened When I Quit Online Shopping for a Month

Learn more

Find What You're Looking for at Northwestern Mutual

Northwestern Mutual General Disclaimer

Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company and its subsidiaries. Life and disability insurance, annuities, and life insurance with longterm care benefits are issued by The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM). Longterm care insurance is issued by Northwestern Long Term Care Insurance Company, Milwaukee, WI, (NLTC) a subsidiary of NM. Investment brokerage services are offered through Northwestern Mutual Investment Services, LLC (NMIS) a subsidiary of NM, brokerdealer, registered investment advisor, and member FINRA and SIPC. Investment advisory and trust services are offered through Northwestern Mutual Wealth Management Company (NMWMC), Milwaukee, WI, a subsidiary of NM and a federal savings bank. Products and services referenced are offered and sold only by appropriately appointed and licensed entities and financial advisors and professionals. Not all products and services are available in all states. Not all Northwestern Mutual representatives are advisors. Only those representatives with Advisor in their title or who otherwise disclose their status as an advisor of NMWMC are credentialed as NMWMC representatives to provide investment advisory services.

Northwestern Mutual Northwestern Mutual

Footer Navigation

  • About Us
  • Newsroom
  • Careers
  • Information Protection
  • Business Services
  • Podcast
  • Contact Us
  • FAQs
  • Legal Notice
  • Sitemap
  • Privacy Notices

Connect with us

  • Facebook iconConnect with us on Facebook
  • X iconFollow Northwestern Mutual on X
  • LinkedIn iconVisit Northwestern Mutual on LinkedIn
  • Instagram iconFollow Northwestern Mutual on Instagram
  • YouTube iconConnect with Northwestern Mutual on YouTube

Over 8,000+ Financial Advisors and Professionals Nationwide*

Find an Advisor

Footer Copyright

*Based on Northwestern Mutual internal data, not applicable exclusively to disability insurance products.

Copyright © 2025 The Northwestern Mutual Life Insurance Company, Milwaukee, WI. All Rights Reserved. Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company and its subsidiaries.