27-year-old first-grade teacher lived paycheck to paycheck due to impulsive spending: ‘It became so stressful’

Maddie Baker, 27, will be the first to admit she was an impulsive spender when she started teaching kindergarteners six years ago.

She bought coffee at least once a day, frequently shopped for new clothes and spent lavishly on vacations she says she “probably had no business going on.”

“Any day that I had a hard day at teaching, I would immediately go from my job to a store,” the now first-grade teacher tells CNBC Make It. “The way I was coping with hard days was by spending money.”

Baker isn’t alone. Almost half of American consumers say they make purchases to boost their mood, according to LendingTree survey data released in July. Emotional spending isn’t always bad, either. It can provide temporary comfort or a needed mood boost. However, it can also lead to financial strain.

Baker says her impulsive spending got so out of hand, she found herself in “horrible cycles” of living paycheck to paycheck to avoid going into credit card debt. Nationally, almost three-quarters of emotional shoppers admit they’ve spent more than they intended, and 44% say it’s negatively impacted their financial well-being, LendingTree found.