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How Do You Not Spend Money?

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drobi619 | 19:51 Sat 06th Jan 2024 | Business & Finance
15 Answers

I am bad at everytime I leave the house for anything I feel like I need to spend money. This is normaly things like food or coffee, and sometimes shopping. Please help me get my money spending and such under control. 



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 Here's a tip from Charles Dickens's character Wilkins Micawber.

Annual income twenty pounds, annual expenditure nineteen nineteen and six, result happiness. 

Annual income twenty pounds, annual expenditure twenty pound ought and six, result misery.

You have identified the problem.

The solution is with you.

You need to find some willpower.

Or rather some won't power.

Take out only the money you need for the day, in cash, leave your cards at home.

^^ As Andy says.

Have a look at the 50-30-20 rule here...

It helps you allocate money according to type of expense. That way you'll have a certain amount you can use for extras, while knowing necessities are taken care of. It's helped me. If you really find it difficult to resist temptation, just don't carry money or cards or just the equivalent of bus fare.

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I normally take a few seconds and think, "Do I really need that". Sometimes that works.

I take a few days...or more. Depends on the size of the expenditure. 


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Sorry! wrong thread

Make a detailed shopping list before you go out and then stick to it. (By 'detailed', I mean writing down things like "Tesco instant coffee", rather than just "coffee", so that you don't get tempted to buy Kenco, or similar, just because it's on special offer).

Buy the Kenco if it's cheaper than shop's own brand. 😉

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