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User Name just applied for a Rule 1 Workshop Scholarship! For some people, financial struggles are due to not bringing in enough money.


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No matter where or how we shop, spending money on random stuff is always a temptation. Mini hand sanitizers, minty-fresh gum and that magazine with the latest news on the royal family? With so many ways to shop online, on our phones, and in the storehow can we avoid making mistakes that bust the budget? Whether we like it or not, money makes the world go round. Ahh, social media. I hate to love and love to hate social media. And we want it because we think it will make life that much better. But social media makes the comparison game even more intense. When does it end?

All of these things just drain your budget, rob from your future financial goalsand steal your joy. Listen: Living paycheck to paycheck is the pits. Some people like to joke about spending money like a shopaholic, but compulsive spending, otherwise known as retail therapyis a real thing. For most of us, spending money on impulse just because we want it now is the problem.

Are you naturally wired to be a spender or a saver? Are you a nerd or a free spirit? Do you value safety or status?

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Take my free quiz to discover why you handle money the way you do and learn how to break bad money habits for good. But when you spend with cashyou feel it. You feel those crisp or wadded up green bills leave your hand, and it hurts. Something inside of you cringes.

Just moments before, you had money—and now? Learning how to stop spending money is a real thing that anyone can master—that includes you!

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When you make your first budget, you need to make sure your basic needs or your Four Walls are covered. These are:. Ready to create your monthly spending plan? This is what I mean when I say budget. You have to keep coming back to it in order to stay on track.

You are here

It takes a few months to make your budget work for you. Use EveryDollarour free budgeting app, to create your first budget in just 10 minutes. So with those two items in mind, you make a quick run to Target. But as soon as you walk through the door, you feel the gravitational pull toward the dollar spot and fill your basket with a bunch of those colorful cell phone chargers and water toys for the kids that you swear will get used all the time.

Thanks to a few seemingly harmless impulse buys, a quick trip to the store for two essentials just got pretty expensive.

Budget for savings

Probably not. But if you get caught in this scenario a lot, you might want to make a point to avoid the stores that make you spend too much money.

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Or maybe send your spouse in for you. Changing how you spend money on food is one of the easiest ways to save money.

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And we all know that going out to eat gets expensive—fast. Imagine how quickly you could pay off debt with that kind of money! Consider this: Instead of heading into the grocery store and wandering up and down the aisles, create your meal plan for the week, make a list before you go, and then stick to it. Planning your meals in advance means lowering your overall food costs.

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I know I do! Retailers know their customers, and they also know the irresistible pull of a flashy and perfectly placed sales rack.

2. paying someone else for simple car repairs

But how much is all this saving really costing you? Preaching to myself here too. Again, you can avoid these shopping traps by making a list before you go. After all, debt steals from your income. Think about it: If you go out to a nice dinner with your friends and pay for it with a credit card, you might as well just eat your next paycheck.

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We live in a world where just about anything can be financed or borrowed, which can give you a sense of financial security. It just makes you think that you can afford the payment, the new car, the house or the big purchase.

Record your expenses

So, go ahead. Cancel your credit cards and commit to living debt-free from this moment forward. And just as a refresher: Credit is an enabler. You can only spend what you have.

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Will that sweater still look good after a few washes? Will your kids still be playing with that overpriced toy set?

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Will those cheap shoes last through the entire season? Most of the time, the answer is: Put it back. But what if you still want it?

2. buy generic label groceries.

Then you wait. Ready to put your willpower to the test? Buy just the bare necessities for one month. Do you like using your gym membership because it helps you stay active?

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Keep it. Does your weekly visit to the chiropractor keep your back in tip-top shape? Keep going. The key to stop spending too much money is to create better money habits in your daily life. In this book, I show you how to make lasting change so you can make actual progress with your money like never before.

And I also talk more about finding your money mindset and learning how to create healthy money habits for the future. Grab your copy today! Rachel Cruze is a two-time 1 national bestselling author, financial expert and host of The Rachel Cruze Show.

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SinceRachel has served at Ramsey Solutions, where she teaches people how to avoid debt, save money, budget and win with money at any stage in life. Learn More. Guided Plans. Trusted Pros. Free Tools. Here are five main culprits to watch out for when it comes to spending money: 1. Social Media Ahh, social media. Start budgeting with EveryDollar today! About the author Rachel Cruze. More Articles From Rachel. Answer a few questions, and we'll create a plan tailored just for you.

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Sometimes the hardest thing about saving money is just getting started.


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After all, rich people constantly spend money on things that make them happy.


David Weliver.