This post discusses some of the unnecessary spending habits that people develop and how to rid yourself of those habits. It offers you tips on how to get out of your spending spree, ways to identify problems in your spending, and some creative ways to make your paycheck go further. I

1. WHILE MANY FEEL THAT THEY SIMPLY
AREN’T MAKING ENOUGH MONEY,
OTHERS RECOGNIZE THAT THEY SIMPLY
HAVE BAD SPENDING HABITS THAT ARE
EATING UP ALL OF THEIR MONEY.

2. HERE ARE A BUNCH OF TIPS TO GET YOUR
BANK ACCOUNT POINTED IN THE RIGHT
DIRECTION.

3. BEFORE YOU START — IDENTIFY
PROBLEMS.

4. IT IS NECESSARY TO PRIORITIZE YOUR
SPENDING BEFORE YOU JUMP INTO WAYS
TO SAVE.

5. SOME PEOPLE ENJOY GOING TO THE
MOVIES, TAKING SOMEONE OUT TO
DINNER OR CATCHING A BASEBALL
GAME.

6. I’M NOT GOING TO TELL YOU WHAT YOU
SHOULD OR SHOULD NOT SPEND YOUR
MONEY ON - THAT’S FOR YOU TO DECIDE.

7. BUT YOU MUST IDENTIFY WHERE YOUR
MONEY IS GOING BEFORE YOU CAN SEEK
SOLUTIONS TO HELP YOU SAVE.

8. ONE GREAT WAY TO DO THIS IS BY
USING AN APP SUCH AS MINT.

9. THIS FINANCE APP WILL HELP YOU
CREATE BUDGETS (AND ALERT YOU WHEN
YOU EXCEED YOUR BUDGET), CREATE
GOALS FOR YOURSELF AND VISUALIZE
WHERE ALL OF YOUR MONEY IS GOING.

10. IT DOES THIS BY GROUPING YOUR
SPENDING INTO DIFFERENT CATEGORIES
— SUCH AS RESTAURANTS,
TRANSPORTATION COSTS, AND
GROCERIES.

11. TAKE A LOOK AT HOW YOU’RE SPENDING
YOUR MONEY BEFORE GOING TO THE
NEXT STEP.

12. DECIDE HOW MUCH CASH YOU NEED.

13. YOU’VE IDENTIFIED YOUR PROBLEM
AREAS - NOW, LET’S FIND A WAY TO FIX
THEM.

14. THE FIRST STEP IS TAKING ONLY THE
CASH THAT YOU ARE WILLING TO SPEND.

15. SAY YOU’RE GOING TO A BASEBALL GAME
- TAKE OUT $50 AND LEAVE YOUR CREDIT
AND DEBIT CARDS AT HOME.

16. THIS WILL ELIMINATE THE URGE TO KEEP
SPENDING MONEY BECAUSE YOU CANNOT
GET ACCESS TO THAT MONEY ANYWAYS!

17. JUST BE CAUTIOUS, HOWEVER; YOU DON’T
HAVE AN EMERGENCY FUND ON YOU.

18. FIGURE OUT WHAT YOUR SPENDING
TRIGGERS ARE.

19. SPENDING TRIGGERS ARE
SUBCONSCIOUSLY AFFECTING WHERE
YOUR MONEY IS GOING.

20. WHEN YOU START SPLURGING ON
THINGS, WRITE DOWN HOW YOU WERE
FEELING AT THE TIME.

21. WERE YOU MAD? BORED? TIRED? FIND
OUT WHAT IT IS THAT MAKES YOU SPEND
MORE MONEY THAN YOU SHOULD.

22. LIST YOUR GOALS.

23. CREATE GOALS FOR YOURSELF EACH
WEEK AND TRY TO MEET THEM.

24. I CREATE A SPREADSHEET THAT BREAKS
DOWN WHERE MY MONEY SHOULD GO.

25. FOR EXAMPLE, I’LL CREATE A GOAL TO
EAT DINNER AT HOME 5 TIMES THIS
WEEK.

26. I VARY MY SPREADSHEET EACH WEEK
SO THAT I DO NOT GET BORED WITH
IT.

27. IF YOU MEET ALL OF YOUR GOALS,
FIND A WAY TO REWARD YOURSELF.

28. LET IT BE.

29. IF YOU’RE THINKING OF BUYING
SOMETHING, MAKE SURE THAT IT’S
NOT AN IMPULSIVE DECISION.

30. I’VE ALWAYS FOUND THAT INTERNET
SHOPPING IS TROUBLESOME FOR
PEOPLE BECAUSE YOU CAN QUICKLY
ORDER AN ITEM AND YOU DON’T EVEN
PHYSICALLY HAVE THE ITEM IN FRONT
OF YOU.

31. IF YOU’RE SOMEONE THAT BUYS
IMPULSIVELY, LET THE ITEM SIT IN
YOUR SHOPPING CART FOR A FEW
DAYS.

32. NEXT TIME YOU VISIT THE WEBSITE,
DECIDE IF THAT’S AN ITEM THAT
YOU’D STILL LIKE TO PURCHASE.

33. ALERT OTHERS OF YOUR DECISIONS.

34. ONE THING THAT I’VE BEEN TRYING TO
CUT BACK ON IS SPENDING MONEY
ON DRINKS.

35. I’VE LET THE OTHER PEOPLE I WORK
WITH KNOW ABOUT THIS DECISION.

36. NOW, WHENEVER I COME BACK TO
THE OFFICE WITH A DRINK IN MY
HAND, MY FRIENDS ALWAYS GIVE ME
A LOOK AS IF THEY’RE SAYING YOU
SHOULDN’T HAVE DONE THAT…

37. I’VE FOUND THAT LETTING MY BEST
FRIENDS KNOW ABOUT MY SPENDING
GOALS HAS HELPED ME DRASTICALLY
REDUCE MY PROBLEM AREAS.

38. IT’S A CONSTANT REMINDER THAT I
NEED TO BE MORE CAREFUL WHEN
PULLING OUT MY CREDIT CARD.