November 06, 2025

Greetings!

Are you caught in a spending habit you just can’t seem to shake? We’ve all been there. Between impulse buys, limited-time sales, and easy tap-to-pay options, it’s easier than ever to overspend without realizing it. But getting back on track doesn’t require a finance degree. It just takes a few mindful habits.

Below are ten simple steps to start spending smarter and saving more.

Be Well,
Anisa

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10 Tips To Curb Spending

1. Go Cash-Only
If you find yourself overspending with credit cards, try using only cash for a while. It’s harder to spend money you can see leaving your hands.

2. Set Long-Term Goals
Think of something you really want, whether it’s a vacation, debt freedom, or a rainy-day fund, and remind yourself of it every time temptation strikes.

3. Separate Needs from Wants
Ask yourself: Do I need this or just want it? Sometimes that pause is all it takes to walk away.

4. Shop with a List
Write it down, stick to it, and don’t wander. Lists save both time and money.

5. Give Yourself an Allowance
Budget a small amount for guilt-free fun spending. When it’s gone, it’s gone.

6. Add a Cooling-Off Period
For big purchases, give yourself at least 24 hours before you buy. Most of the time, that urge fades.

7. Bring a Voice of Reason
Shop with someone who will help you stick to your plan, not your impulses.

8. Skip the Shopping Cart
If it doesn’t fit in your hands, it probably doesn’t belong in your budget.

9. Let Someone Else Shop for You
Give your list to a trusted friend or family member. They’ll stick to it better than you might.

10. Review Before Checkout
Before paying, look at your items and ask yourself again what you really need.

In Closing...

Breaking bad spending habits isn’t about cutting all joy, it’s about being intentional. The more mindful you are, the more confident and less stressed you’ll feel about your finances.

Did You Know?

A recent survey found that the average American spends over $300 a month on impulse purchases. That’s more than $3,600 a year — money that could go toward your emergency fund or next vacation instead!

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