Deals are everywhere and there’s always a sale going on. So how do you resist all that temptation? These three “N‑questions” help you buy more consciously:
Still unsure? Then wait a little longer before buying it.
"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/004f4273-f51d-47dd-9dbc-c9f26ee831ec/Senior-couple-sharing-a-cotton-candy-at-the-fun-fair","altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/2999e80c39b67376/original/Senior-couple-sharing-a-cotton-candy-at-the-fun-fair.jpg","extension":"jpg"}},{"componentType":"paragraph","title":"Set a budget","richBody":{"value":"
Do you often spend more than you actually want to? Decide in advance how much you can spend when doing groceries or shopping. With Budgets, you can easily set your own limits for the spending categories that matter to you, whether that’s shopping, groceries or eating out. This helps you spend more consciously and stay in control of your finances.
Set your own budget in the ING App.
Being conscious isn’t just about how much you spend, but also about what you buy. Consider the lifespan of a product: how long will it last, and how long will it stay useful or enjoyable?
High‑quality products often retain their value better, which can make reselling them easier. Sustainability also includes how a product is made and the journey it has taken to reach you.
Buying more consciously isn’t just good for your wallet, but for the climate too.
"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/a11bfc73-e1bc-438d-aa72-08f2b838e9c6/Low-angle-view-of-man-jumping-against-blue-sky-with-broom","original":"https://assets.ing.com/m/609e034049e62d66/original/Low-angle-view-of-man-jumping-against-blue-sky-with-broom.jpg","extension":"jpg"}},{"componentType":"paragraph","title":"Pay immediately","richBody":{"value":"
Paying with a credit card, Klarna or Afterpay? Buying credit is possible, but that doesn’t mean it’s always a good idea. It takes a lot of discipline to keep track of what you really owe. Paying right away helps you avoid unpleasant surprises.
Also make sure to pay your fixed expenses and bills on time. If needed, schedule transfers in advance. This helps prevent arrears and extra costs such as reminders or collection fees.
"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/99a6a282-7b42-46cd-be42-8a91f93cf9c7/Close-up-of-clocks-at-street-market","altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/79080c5f64a982fa/original/Close-up-of-clocks-at-street-market.jpg","extension":"jpg"}},{"componentType":"paragraph","title":"Check your transactions","richBody":{"value":"Do you regularly review your transactions? Hopefully, most of them are conscious purchases and payments. Take a look at costs that recur quarterly or annually as well; don’t let them catch you off guard. Know where your money goes. Use Insight in the app.
"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/3a35d850-bbe0-4822-bae6-5939d2fa2937/Little-child-hanging-arms-in-the-toilet","altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/3dd3c5991566ff2a/original/Little-child-hanging-arms-in-the-toilet.jpg","extension":"jpg"}}]},"complementaryZone":{"flexComponents":[{"componentType":"cards"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"More insight into your spending","intro":"How much do you spend on eating out or groceries? Use 'Insight' to find out.","image":{"transformBaseUrl":"https://assets.ing.com/transform/68c05a5e-72d8-48a6-a2c5-29ebea790125/icon-inzicht","type":"image","width":200,"original":"https://assets.ing.com/m/7c87c8861ed7f6b1/original/icon-inzicht.png","extension":"png"},"link":{"url":"/en/personal/digital-banking/your-app/insight/insights"},"linkText":"Use 'Insight'"},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Look Ahead","intro":"Which payments and deposits are coming up? Don’t let future expenses surprise you.","image":{"transformBaseUrl":"https://assets.ing.com/transform/316da856-fae3-4be9-aebd-45c0e4cdfdea/Transactions-Binoculars_Filledin","type":"image","width":24,"altTextNL":"\"\"","original":"https://assets.ing.com/m/7b1fbe5f8d6a26ee/original/Transactions-Binoculars_Filledin.svg","extension":"svg"},"link":{"url":"/en/personal/digital-banking/your-app/look-ahead/kijk-vooruit"},"linkText":"Look Ahead"},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Saving tips","intro":"Where can you cut back? \r\nRead the 20 saving tips.","image":{"transformBaseUrl":"https://assets.ing.com/transform/173660c5-55e9-4b5f-9b5f-3e2c08c6f652/Feedback-Thumbs_Up_Filledin","type":"image","width":24,"altTextNL":"\"\"","original":"https://assets.ing.com/m/2d8ddd101c88fbad/original/Feedback-Thumbs_Up_Filledin.svg","extension":"svg"},"link":{"url":"/en/personal/financial-health/save/saving-tips"},"linkText":"Read the 20 saving tips"},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Your financial health","intro":"How do you stay in control of your money and make smarter choices, now and in the future?","image":{"transformBaseUrl":"https://assets.ing.com/transform/598960ff-93c8-4db8-9335-473c705826c9/Man-holding-a-rainbow","type":"image","width":800,"original":"https://assets.ing.com/m/322edbacaa284b65/original/Man-holding-a-rainbow.png","extension":"png"},"link":{"url":"/particulier/financieel-gezond"}}]}]}}}