How To Tackle Bad Spending Habits

How To Tackle Bad Spending Habits
  • Opening Intro -

    Saving money can be tough in the most ideal conditions, but if you have bad spending habits, it can be next to impossible.

    If you want to see more money in your budget, either to save or to spend on other things, you need to tackle your bad spending habits.



One of the easiest ways to cut out bad spending habits is to make a budget every month and stick to it. Allocate your spending for necessities such as rent, car payment, utilities and groceries, and then decide how much you have left over. Make a savings goal and dedicate that much to savings every month. Whatever you have left can be your discretionary spending for things such as entertainment. You must stick to the budget every month for it to be effective, though. That means that if your discretionary money runs out halfway through the month, you’ll have to live a spartan life the rest of the month. 

Use Cash

Credit cards can be a good financial management tool for many people. They are convenient, they help build your credit history and you can even earn money through rewards. But if you are someone who can’t resist the urge to use credit cards for things you can’t otherwise afford, it might be wise to leave the plastic at home and use cash instead. If you limit yourself to cash spending, you’ll be less likely to splurge on impulse buys such as fancy electronics or designer clothes because you have to pay the entire cost of the item upfront and will realize exactly how much you are spending.

Eat Out Less

One of the worst spending habits most people have is eating too many meals away from home. Though the occasional dinner out can be part of everybody’s budget, there’s no Earthly reason to eat almost every meal at a restaurant. Instead of getting fast food over your lunch hour, pack a lunch instead. This simple act can save the average person about $2,000 a year. If you tend to eat dinners out because you don’t have time to cook, make several meals ahead of time on the weekend that you can warm up during the week.

Make One Big Trip to the Grocery Store

If you live close to a grocery store or market, it may be tempting to just grab a few things every time you run out of stuff, but that can mean spending a lot more in the long run. To alleviate this, you should plan one trip to the store every week or however often you need groceries. Scour the grocery ads to find the things you need on sale and clip coupons to save even more. Also, the less you are in the store, the less likely you are to make impulse purchases of things you don’t need.

Cut Down on Toys

Do you really need all the movie channels your cable or satellite TV provider offers? Can you maybe live with a 50-inch big-screen TV instead of a 60-inch one? Do you really need the latest most high-tech smartphone with the high-dollar data plan? The answer to these questions is probably "no," and if you can convince yourself that you are just fine with fewer toys, you’ll save a ton of money.

Save Wherever You Can

You may think you have no bad spending habits, but if you are paying too much for anything, it’s a bad spending habit. Make sure you have the absolute lowest rates you can get on car insurance, Internet service, credit card rates, etc. If you are spending $1 more than you need to, it’s a bad spending habit.

About the Author: This article was written by Phill representing – an independent financial website bringing together and comparing available logbook loans.

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