How to Stop Splurging –

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You’ve come to the right site if you’re seeking tips on quitting spending money. These five tried-and-true strategies can help you avoid spending money on frivolous items. Combine a cash-only budget with any of the five strategies below, or select your favorite, to attempt to cut back on wasteful expenditures.

1. Meal planning to reduce costs

How to Stop Splurging

An excellent approach to saving money is to prepare meals at home. Only purchase enough food for a week’s worth of dinners to avoid overspending groceries. Instead of purchasing unnecessary items, utilize any gift cards you may have and use the money stashed up in various jars around your home to buy the food for this coming week.

2. Put money to work for you

How to Stop Splurging

Make a monthly budget. My favorite type of budget is a zero-based budget, which states that since you have designated where every penny of your hard-earned money will go, your income less your expenditures must equal zero. Remember that this is an actual budget. You must frequently refer to it to stay on track.

If you’re a beginner, remember to be gentle to yourself as it may take time to make your budget working. And if you’re an expert, you should review your monthly expenses once again to find new areas for cost-cutting.

3. Avoid using new products to replace old ones

How to Stop Splurging

Do you really need a phone stand at your desk, or can you lay it against some books to check your messages? Should you spend money on your child’s drum set when he can create nice music with two spoons and an old pot? You can simply use cotton balls to seal your ears.

You can always add a pinch of your imagination to improve minor nooks and crannies of your life. Your next online transaction will be postponed as a result.

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4. Cut back on restaurant costs

How to Stop Splurging

Changing how you purchase food is among the simplest ways to save money. We are all aware of how rapidly restaurant costs can up. If you spend $15 on lunch four times per week, you’ll spend $240 a month or $60 per week. If you had that money, consider how soon you could pay your bills.

5. Educate yourself

How to Stop Splurging

When looking for the most incredible deals, picking up new money-saving techniques never hurts. You may read a blog article or take a free online course (like this one). If you don’t seek it, you’ll never know what type of information is available. However, many useful resources are within your reach.

How to Stop Splurging

It can be difficult to control impulse spending, especially when presented with attractive marketing messages or product designs. But splurging can quickly deplete a budget, leaving little room for necessary expenses. So how do you shift from spending frivolously to making mindful purchases? Here are some tips for how to stop splurging.

1. Make a Budget

Creating a budget is a great place to begin when attempting to limit splurging. Start by determining all your monthly fixed costs (e.g., rent, car payments, insurance, etc.), then calculate all your other expenses. Prioritize those to determine the necessities. After listing all your expenses, set a spending limit for each category and stick to it.

2. Unsubscribe

Limiting temptation is a great way to reduce impulse buying. Use an email service like to unsubscribe from email alerts, newsletters and deals from stores. Delete any shopping apps from your phone, and if appropriate, set up parental controls to prevent your kids from accessing online stores.

3. Delay Purchases

When it comes to splurging, impulse decisions are rarely the wisest. Wait a few days or even weeks and decide if the purchase is required. Ask yourself: “Do I really need it?”, and if the answer is “no”, don’t buy it.

4. Track Splurges

Keep a list of items purchased, noting the cost and actual need. If a splurge exceeds your budget, that’s okay! We’re all human and mistakes are bound to happen. But tracking every purchase can help highlight shopping patterns or triggers.

Frequently Asked Questions

  • How do I make a budget?

    Start by listing all of your fixed monthly costs, then list all other monthly expenses like bills. Next, prioritize and set limits for each budget category, and use apps or programs to help you track accessibility of your budget.

  • How do I stop spending when I have no money?

    Start by focusing on meaningful experiences instead of material items. Use apps like to unsubscribe from newsletters and marketing emails and delete any shopping apps from your phone. Track purchases and be mindful of splurging too frequently.

  • Why should I delay my purchases?

    Delaying purchases gives you the opportunity to think critically about the item you want to buy and the need for it. It also allows you to consider if you could use the money better elsewhere or if you can wait and decide if the purchase is necessary.


Stopping splurging can be accomplished by making a budget and setting spending limits, tracking purchases, and unsubscribing from marketing emails and newsletters. It is also important to delay purchases and ask yourself if the item is needed to avoid impulse buying. With these simple steps, it is possible to curb high-cost expenditures and stick to a budget.