Along with your list, take a little memo book. If you see anything that isn't on your shopping list, write it in the book. When you go back to Wal-Mart, refer to your notepad, and if you still see a valuable reason to buy it, then think about the purchase by putting it in your cart while you finish shopping. Sometimes with uncontrolled spending, you’ll make it to the end of your shopping trip and can't remember why you picked the item up in the first place. This way, you’ll have a chance to think about it and decide if you really need to buy it before it becomes a permanent fixture in your home.
Finding out what drives your desire to spend money is the key to understanding your uncontrolled spending habits. Discover your money triggers. Do you reach for something just because it is on sale? Are you constantly buying the latest gadgets for your kids, because you don’t want them to be the only ones on the block without?
Whenever you are tempted to spend money you know you shouldn’t, ask these questions:
1. Do I need it?
2. Can I get it cheaper elsewhere?
3. Can I wait until I have the money or it goes on sale?
4. Can I use something I already have, or make it cheaper myself?
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