When we’re MORE SPECIFIC with our goals, we’re more likely to follow through. Those are the nine ways to stop spending money on unnecessary things. But my standard of living would change drastically. If you need it badly, you can surely end up buying that. I don’t know what the future holds, so building good money habits today is crucial to ensuring I can support myself later. I want you to spend some time thinking about YOUR why. Any possible dupes?

Brandless is an organic, fair trade, and vegan online retailer who sells everything for only $3. My husband and I paid off $78K of debt in 2 years and now I help others control their spending in ways that work for them. Remove your credit card information from the Google Play store or stop automatic payments to such apps & sites. Did you know that this rings true in regards to your finances also?
When you are testing the different brand options consider these two question: 1. Basically, if your neighborhood knows that you’re the richest person on the block, you’re going to feel better and be happier than if everyone knows you’re the poorest person on the block. Another good thing to remember is to never buy something on impulse. And once you’ve accomplished this one thing, move on to the next. Gaming addicts will easily spend $1 to $5 just for an upgrade, you might thinking what will happen if I spend just $1 to $5? Sweep your backyard. Notice habits and trends that may give you a starting point. It will help you to see the things in your life that can be eliminated to help you to stop spending money you don’t have.

If the taste is better, is it better enough to justify the increased cost? I don’t want my kids to have to take care of me in retirement or contribute to the plastic trash swirling round in our oceans for decades to come. We all know these habits are not the most healthy (in excess) so critically examine whether it’s worth cutting it out. Most of the time, I think not. Saving money isn’t easy, especially when you feel that gravitational pull towards the sale section every time you enter a store.

As a quick side note – I wanted to let you know that I recognize that if you’re here, there’s a good chance you’re dealing with bigger problems (like maybe massive debt – that was me). Finance Over Fifty's mission is to support and encourage those who are closer to retirement than they're prepared for. Like being grateful for the family you have, a roof over your head and food in your belly. Once that first debt is paid off, apply the payment you were making to it to the next balance you want to pay off. Having this mindset will support you in the changes you need to make today, because they will ultimately benefit your future. Take control of your future today. There are other options out there, so do some research and choose the program that will be easiest for you. and. Once our brains get fatigued our decisions get worse and worse. If you stop spending your money on unnecessary things, believe it or not, you will have more money. For me, it’s planners, I love planners. Real Coca Cola (not store’s own brand) tastes the best out of a can but I didn’t usually buy real Diet Coke, full stop. Many people struggle to save money for their future. It doesn’t make the impulse easier knowing this, but it IS good to understand if this is the root of your impulsive spending. This couples nicely with the guilt I felt for working so often and turned me into a financial mess. Because I’ve got news for you:  there won’t be any left. If you don’t really struggle with discretionary spending, take a look at your monthly bills. You can save up to 300% or more on everything when you drop down to the generic brand or even the store’s own value brand. In fact, unless you’re impoverished – you can live a happy and fulfilled life with everything you want without making millions. Don’t forget to download this free 2-page Spend Less Plan worksheet! This stuff can definitely add up, so it’s probably worth cutting out these habits (especially those things that aren’t good for you).

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