1. Set Short and Long-Term Financial Goals

Whatever your goals are, setting them is the first step to reaching them.

2. Stop buying things on impulse

Ask yourself if you really need something before you buy it, and think about how often you’ll use it.

3. Develop A Frugal Mindset

For example, do you need the latest iPhone, or would a cheaper model do just as well? Do you need to buy new clothes every season?

4. Cancel unnecessary subscriptions

One of the easiest ways to save money is to cancel any subscriptions that you no longer use. Whether it’s a magazine or online.

5. Reduce Your Urge For Instant Gratification

While it’s true that some new products can make our lives easier, the reality is that most of us don’t need them.

6. Use technology to stay accountable

With a little bit of planning and the use of technology, we can break the cycle of overspending and get our finances back on track.

7. Make a list before you go shopping

Plan your shopping trips in advance. This means making a list of the items you need and sticking to it when you’re at the store.

8. Use cash instead of credit cards

When you use cash, you’re more likely to be aware of how much you’re spending, since you’ll physically see the money leaving your hands.

9. Tidy up your inbox

The next time you’re feeling the urge to impulse buy, take a moment to unsubscribe from those retailers’ email lists.

10. Put every dollar to work

Making sure every dollar has a home will help you stay mindful of your spending and make the most of your money.

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