How to avoid wasting money? When you think about why you can’t save money, I think there are quite a few people who think to themselves, “I don’t have money to save because I haven’t been able to save in the first place,” or “I spend a lot of money on a regular basis.” Of course, if you waste a lot of money, you won’t have enough money to save. So, this time, I would like to introduce you to what you can do immediately to reduce wasteful spending.
Don’t put your credit card in your wallet
Many people who lament that they spend too much money are caused of the overuse of credit cards. Why don’t you take away the credit card from yourself once the waste is gone? Some people say that you can’t shop online without using a credit card, but please use a debit card.
While debit cards and credit cards are similar, there are significant differences. It’s hard to manage your debt because credit cards just put you off paying. A debit card, on the other hand, debits your account immediately, so you can avoid overspending. Credit cards are very convenient, but if you use them too often, they will hurt you later. Stop using credit cards until you stop wasting your money.
Write down the amount spent on the calendar each day
Write down the amount of money you spent on the calendar each day. That way, you can see at a glance what your expenses are and why. If you write down a simple purpose such as “drinking party (including after party)”, it will be easier to look back later.
If you write it on your calendar for about a month, you will see your tendency to waste money. For example, even if you take the single problem of “I have many drinking parties”, there should be some countermeasures. More specifically, it’s like, “We have too many drinking parties, so let’s reduce them,” “Let’s go home without going to the second party at drinking parties,” and “Let’s not go out drinking with the same members for two consecutive months.” It will be smoother if you start with measures that you can implement and move on to the next step in the next month.
Only carry the money you need for the day in your wallet
The best way to avoid wasting money is to limit the amount of money you can physically spend. This means that you should only have the minimum amount of money you will need for the day in your wallet. This will inevitably eliminate waste. Every morning, I think about my schedule and the amount of money I will spend. Keep it.
In this way, you reduce your expenses by limiting the amount of money you can physically spend . Knowing that you only have a certain amount in your wallet for food this week saves you from buying the “unexpected things” that you stumble upon while shopping. As for shopping, it’s a good idea to make a list of what you need as far in advance as possible. If you shop based on the menu, you can reduce unnecessary purchases, and you will not have leftover ingredients.
Decide where to shop
When shopping, let’s decide on one store to shop at. By deciding to only shop here, you won’t wander around to other stores, and you’ll be able to accumulate points more easily. Also, when you enter an unfamiliar store, you will end up wandering around, and many things will come to your attention, which will drive you to useless purchases.
It’s hard to put up with what you thought, “I want this!” If so, you shouldn’t put yourself in an environment where you think “I want it” in the first place. It is important not to let your hidden desire to buy go out of your way, and not to imitate a child who has fallen asleep. It is very important to buy only the listed items at a store that you are familiar with and know where they are, without detouring
Thinking about what’s wrong you did
In order to reduce wasteful spending, you need to know when you waste. For example, “I end up shopping online when I’m free” or “I want new clothes every time I go on a date”. I understand how you feel, but then wasteful spending becomes a “natural habit.” You can’t stop wasting money, so when you’re about to waste money, you need to distract yourself with something else.
For those of you who say, “I look at online shopping sites when I have free time,” let’s hide a book in your bag. When you have free time, instead of looking at the mail order site, you switch your behavior such as reading the book you borrowed from the library. If you want new clothes every time you go on a date, I understand how you feel, but instead of buying clothes, how about changing your make-up and hair arrangement a little, or making changes elsewhere? The point is to do what you can do without spending money.
Even if you want to reduce wasteful spending, it is quite difficult to reduce it suddenly. Instead of overdoing it, do what you can and make it a habit to see live a life that doesn’t waste money. It may be a little difficult at first, but after a few months, you’ll get used to it quickly.
