Do you have a stable income, which is not less than that of others, and money runs through your fingers like water during the first week after your paycheck, and you have to borrow again and again before the advance? In the meantime, not very necessary things appeared in your wardrobe, or you allowed yourself a wasteful dinner in a restaurant, for which you then reproached yourself for a long time. Then you can safely be called a spender. If you decide to fight waste, you should forget about weaknesses and gradually, step by step, start changing your habits.
Step 1: Go to the mall for groceries once a week armed with a shopping list. This list needs careful thought and sifting out unnecessary things. When you go to the store, you need to enlist the support of a rational person who can stop you from unnecessary expenses in time.
Step 2. After receiving your salary, divide the money into parts. You can even get envelopes with the words "Utilities and Loans", "Food", "Clothes", "Vacation", "Gifts, Holidays, Entertainment", "Emergency Contingencies", etc. All your upcoming expenses should be thought out.
Step 3. Today there are many simple computer programs for housewives to control the family budget: the receipt and expenditure of funds. You can do with daily scrupulous notes in a simple notebook. Analyze spending - what item of expenditure can be easily reduced or even deleted for a while.
Step 4: Buy only the clothes you really need, and better at sales. Don't take three dresses. You'd be better off picking one and complementing it with accessories.
Step 5: Set a goal for savings and savings. Whether it's a personal car renovation, a trip to another country, or a new bathroom finish.
Step 6: By eating at home, you not only benefit your health, but also spend less money than in a pizzeria or some cafe.
Step 7: Being well-groomed and beautiful does not mean a weekly visit to a beauty salon or an expensive subscription to a fitness center. Consider maybe there is a cheaper alternative: do-it-yourself manicure, pedicure, waxing and coloring, a friend's haircut, running around the stadium, cycling, rollerblading, or daily walks.
Admitting a problem and wanting to change is already a victory over your own weaknesses. Start small. Then every day you will be able to put in the piggy bank the first saved kopecks, which, as you know, cherish the ruble. You yourself will not notice how soon they will stop calling you a spender.
