Retired in USA

Your golden years are your best years! Make them shine!

  • Home
  • Personal Finance
  • Retirement Life
  • Saving & Spending

5 Worrying Reasons to NEVER Make Major Purchases on Your Phone

October 9, 2024 · Retirement Life
A retired man switching from his smartphone to a laptop at his home desk.
A mature man opts for his laptop over his smartphone to ensure accuracy and security during major online purchases.

Avoid making any MAJOR purchases on your phone… especially if you’re part of the boomer generation!

It may seem like the more convenient option, but there are many reasons why you should avoid making any MAJOR purchases on your phone. All the generations have squabbled about everything from jean styles to interpreting the word preppy.

But one of the most recent battles has been phone versus laptop purchases. It all began with an innocent post on social media stating that “booking flights on the phone is crazy. That it’s a laptop activity.”

That post caught the attention of millions, sparking a debate about whether or not one should make significant purchases on a mobile device. We get that some people only have mobile devices, so they make it work.

And let’s get real: At this point, we’re all well-versed in two-factor authentication, right? Well, just because we’re comfortable on our phones doesn’t mean it’s the best way to shop, especially for bigger purchases.

Read on to learn about 5 reasons you should avoid making any MAJOR purchases on your phone… and intelligent steps to take if you MUST shop on a mobile device.

Major Purchases On Your Phone
Photo by Anucha Tiemsom at Shutterstock

Drip and friction

One big reason most retailers would love it if you started making major purchases on your phone is what you could term “friction.” These are all the extra steps and open windows that slow down the buying process a little bit.

If you’ve ever had your finger twitch at the wrong moment and bought the wrong seats for a show, you know how crucial that friction can be. Another reason a PC or laptop is a better option for a considerable purchase is drip pricing.

This is when the initial advertised price of something like a plane ticket is extremely low. Yet, every single amenity, add-on, or adjustment adds more fees, usually behind the scenes.

Individuals tend to make worse spending judgments when dealing with drip pricing strategies because, by the time they realize how much higher the final price is, they don’t believe going back and restarting the process is worth the money they save by making different choices.

This impact if you make any major purchases on your phone can be more potent because of the perceived difficulty level of jumping back and starting over. It’s also because it can be more difficult to see the extra costs added to the total each time you tap on something.

It’s easier to spontaneously buy… and smash your budget

Now that we have all this technology like GooglePay and ApplePay, all you have to do is double tap while making major purchases on your phone.

This kind of convenience can definitely be helpful, but the question remains: Who is it more useful for? The consumer spending money or the retailer making money?

Because we don’t have to type anything in when using a payment app, making a significant purchase can be mindless when it should really take more reflection.

Major Purchases On Your Phone
Photo by tanjas_photoarts at Shutterstock

Bigger screen benefits

Even if your smartphone is one of those big folding monsters, there’s a fundamental reason buying stuff on your desktop or laptop is a better way to go than making major purchases on your phone: Information!

You can see more of it on a bigger screen with numerous browser tabs. Even a modest laptop screen of 15 inches can display much more knowledge at a glance than a phone screen.

The expanded screen real estate also makes it easier to flip between browser tabs to compare prices or look up information that can augment or inform your purchase, like digital coupons.

There’s an element of personal preference here, obviously. People who use their phones for every single aspect of their lives might not have an issue with managing 10 browser tabs opened on that tiny screen.

But they’re not getting all of the information on a single screen that a PC or laptop user is getting. And when you make any major purchases on your phone, more information is always a better idea.

Focus

When making major purchases on your phone, you usually fight against the innate way we use these devices.

PC and laptops are frequently used first in school applications and then at our jobs, while we tend to use our phones more casually, frequently as a distraction.

That slight difference can affect how well we focus when making online purchases, making it easier to fall into impulse buying on our phones. The ease of the transaction can aggravate this.

Getting up to open your laptop or boot up the computer forces us to pause before you click “buy” and so-called “dark patterns.” These are design tricks that manipulate you into spending more or making more impulsive choices.

And this can be more effective on mobile devices. The most crucial part of online shopping is that you’re comfortable with the process.

So, if you favor making purchases, even for big-ticket items, on your phone, you do. But it’s worth considering the advantages of the larger screen.

Certain websites may not be optimized for mobile

Even though this isn’t as much of an issue as it used to be, as more brands have shifted to making their sites mobile-friendly, it still comes into play in particular situations.

This is most applicable when purchasing something like sports tickets, during which your phone might slow down because it has to take in so much information simultaneously with hundreds, maybe thousands, of other people.

You may also notice a problem if you’re on a “builder,” like one that allows you to customize jewelry or a car, given that it’s a more intricate program than simple images and text.

This also applies to making major purchases on your phone for airplane tickets, when you might want to check alternate dates or airports to find the best price.

Major Purchases On Your Phone
Photo by Miljan Zivkovic at Shutterstock

Bonus: Tips for making major purchases on your phone

In certain cases, making major purchases on your phone is unavoidable. So for when these situations come up, here’s how to ensure you’re doing your due diligence:

-Take a break: Most folks use their phone as an impulse tool. So, keeping this in mind, the best practice we can recommend is to do your research and then take a break. Return later and finish the purchase when you’re not so wrapped up. Maybe watch a fun movie in the meantime!

-Read the reviews (on—and off-site): It’s always smart to take the time to read reviews because they provide the most impartial feedback. You’ll want to prioritize reading posts and watching videos from content creators designed for mobile consumption.

-Confirm the return policy: You should always do this regardless of the device you’re on, but it’s easier to forget when you’re on your phone. And by the way, it can be harder to find the policy on a mobile. It’s essential for significant purchases because you can waste tons of money on something you can’t use or don’t want.

-Enlarge the images to see the details: It’s more challenging to know every nook and cranny when dealing with a smaller screen, but always rely on the zoom function.

-Double-check your purchase before checking out: With small screens… and even smaller buttons, it’s reasonable to assume you might accidentally add the wrong size, color, or number of items to your cart. So be sure to take the extra second before paying to ensure you order exactly what you want.

Have you considered these aspects when making major purchases on your phone? Please share your thoughts with our readers in the comments section below.

And if you found this article interesting, we think you might also like: Retirement Planning Pitfalls: 5 Shocking Reasons Seniors Blow Up Their Golden Years

Share this article

Facebook Twitter Pinterest LinkedIn Email

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Search

Latest Posts

  • Smiling female park ranger with binoculars points from a wooden observation deck overlooking a river valley and mountains. 9 National Park Jobs for Retirees With Good Salaries
  • A senior man sits at a wooden table holding eyeglasses and reading a Social Security Administration benefit statement. What to Do the Day Your Personalized COLA Notice Arrives in December
  • A cracked glass leaking water on a wooden desk next to an open ledger, steaming mug, eyeglasses, and coins. 5 Silent Money Leaks in Your Retirement Budget
  • Senior couple smiling while reviewing paperwork, a notebook, and an asset allocation chart on a tablet in their kitchen. 10 Ways to Generate Retirement Income
  • A senior man fly-fishing from a wooden boat on a misty, calm lake surrounded by evergreen trees and mountains at sunrise. 10 Great Retirement Destinations for People Who Want to Fish More Often
  • Senior man in a visor holding a clipboard and pencil on a sunny golf course surrounded by palm trees. Top 5 Jobs For Seniors in Florida
  • An older man wearing glasses sits at a wooden table reviewing a Medicare Summary Notice and paperwork. Medicare 2027 Projections: Here's How Much Your Monthly Premiums Are Estimated to Rise
  • An older man sitting at his kitchen table under morning light, carefully reviewing his Social Security check and paper statements. 8 Signs Your Social Security Payment Was Miscalculated
  • A mature multi-ethnic couple reviews retirement documents together at a sunlit dining table in their home. 7 Social Security Rules for Non-Citizen Retirees
  • An older man sitting at a wooden table organizes medical documents and application papers in his warm, sunlit home. 8 Signs You Qualify for Expedited Social Security Processing

Newsletter

Get retirement tips and senior living advice delivered to your inbox.

Related Articles

An elegant retired couple enjoying a sunset from a luxury cruise ship balcony.

Top 5 Cruises Retirees Are Booking for 2026

Retirement travel has evolved. Gone are the days when a simple week at the beach…

Read More →
A retired couple enjoying a walk in a charming Midwestern town during autumn sunset.

12 Midwest Towns That Check Every Retirement Box

Looking for the perfect retirement spot? These 12 Midwest towns offer affordable homes, top-tier healthcare,…

Read More →
Trump and Biden

Top 8 Key Differences in Trump and Biden’s Views on Social Security, Medicare

A scale balances a gold coin and medical cross, illustrating the starkly different visions for…

Read More →
retirement

How the 4 Phases of Retirement Turn You Into a Different Person

Recently, a TED Talk went viral (AGAIN), and guess what it was about. Retirement. Yes,…

Read More →
retirement million

How Far Can $1 Million Last You in Retirement?

Walking up as a millionaire might seem like the best way to live as comfortably…

Read More →
A peaceful rural landscape with a craftsman home in the foreground and a distant city skyline, symbolizing the move to the countryside.

12 Reasons More Americans Are Choosing Rural Areas to Retire

Discover 12 compelling reasons why Americans are moving to rural areas for retirement, from lower…

Read More →
retire

5 Places in Florida to Retire on Social Security Check Alone

Senior citizens are moving in flocks anywhere in the Sun Belt, and that’s probably why…

Read More →
waterfront places

9 Low-Cost Waterfront Places For a Happy Retirement

In any section of the nation, a retirement house with water views is not inexpensive.…

Read More →
A senior couple looking at a tablet in a bright living room, symbolizing retirement planning clarity.

The SECURE Act 2.0 Explained: How New Retirement Rules Affect Seniors

Learn how the SECURE Act 2.0 affects your retirement planning in 2026, including higher catch-up…

Read More →
Retired in USA

Your golden years are your best years! Make them shine!

Inedit Agency S.R.L.
Bucharest, Romania

contact@ineditagency.com

Trust & Legal

  • Contact
  • Editorial Policy
  • Advertiser Disclosure
  • FAQ
  • Subscribe
  • Unsubscribe
  • Privacy Policy
  • Terms and Conditions
  • Disclaimer
  • Do not sell my personal information
  • Request to Know
  • Request to Delete
  • CA Privacy Policy

Categories

  • Enjoying Retirement
  • Personal Finance
  • Saving & Spending

© 2026 Retired in USA. All rights reserved.