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Author Topic: How do you keep yourself from spending on unimportant things?  (Read 1604 times)
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April 27, 2018, 02:46:13 AM
 #21

I dont know if it is just me or others also experience it. I always set goals financially, set limits in spending and trying hard to save but most of the time no matter how i tell myself to refrain from spending in unnecessary things whenever i see something i really like even if i dont need it i cant resist buying it that cause me to regret later. Are you familiar with this situation?
Yes that is very true situation, I can buy things which are not in our budget and plans. So what I did was I will not be go out anymore so I cannot buy things which are not really very important. This is what I did in order to hold myself from that situation.
i think we have to learn to organize ourselves, that i think is much experienced by us. if i,  do it by the way, buying gold jewelry. i do it so as not to hold cash, and if you want to use it, i think it is easy to sell it

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April 27, 2018, 02:53:42 AM
 #22

I dont know if it is just me or others also experience it. I always set goals financially, set limits in spending and trying hard to save but most of the time no matter how i tell myself to refrain from spending in unnecessary things whenever i see something i really like even if i dont need it i cant resist buying it that cause me to regret later. Are you familiar with this situation?
We are on the same boat. I do like to spend my money wisely but sometimes, I can not help but buy things I like. Self discipline is very important though. It is us who can make our self better.

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April 27, 2018, 02:55:05 AM
 #23

I dont know if it is just me or others also experience it. I always set goals financially, set limits in spending and trying hard to save but most of the time no matter how i tell myself to refrain from spending in unnecessary things whenever i see something i really like even if i dont need it i cant resist buying it that cause me to regret later. Are you familiar with this situation?
You need discipline and that's very simple. Make a list of your expenditures and I know it's hard to resist buying things that are unnecessary, you have your goal. I'm in a group where people are hardly spending their money for something that isn't needed.
Follow the formula and advice of Warren Buffett.
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April 27, 2018, 02:55:44 AM
 #24

I dont know if it is just me or others also experience it. I always set goals financially, set limits in spending and trying hard to save but most of the time no matter how i tell myself to refrain from spending in unnecessary things whenever i see something i really like even if i dont need it i cant resist buying it that cause me to regret later. Are you familiar with this situation?

I can relate with your situation. There are times when I can't stop myself in spending but I just think of it as a reward to myself. There are times when we have to give in and buy what you like so that you will be inspired to earn more and do well. It would make us feel good and we wouldn't be that stress when we do our job because we are satisfied but then we should not just overindulged and think that there are more important things to spend our money. If you want to really buy something that you like in the future then think of a way to increase your income so that your budget will not be affected.

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April 27, 2018, 03:10:13 AM
 #25

I dont know if it is just me or others also experience it. I always set goals financially, set limits in spending and trying hard to save but most of the time no matter how i tell myself to refrain from spending in unnecessary things whenever i see something i really like even if i dont need it i cant resist buying it that cause me to regret later. Are you familiar with this situation?

That's behavior are going to be an addiction,spending things that not necessary is not good,Try to educate your self and see what things that are really matters to you,This will be going NEEDS vs. WANTS and its your call anyway.

Make a simple reminder that can remind you what things are needed in your daily lifestyle.
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April 27, 2018, 04:16:32 AM
 #26

It is a matter of habit only. If it's already become a habit so it is very difficult to be eliminated. Maybe just by changing the perception of the road only, and it will not be easy.

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April 27, 2018, 04:21:32 AM
 #27

Yes i feel you. I have moments too that i wang to buy something even if i know i dont really need it. It takes discipline, really to be able to stilop yourself from spending money unnecessarily. One method that worked for me is to bring only money enough for the day (food and transportation) and a little extra.

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April 27, 2018, 04:27:23 AM
 #28

I dont know if it is just me or others also experience it. I always set goals financially, set limits in spending and trying hard to save but most of the time no matter how i tell myself to refrain from spending in unnecessary things whenever i see something i really like even if i dont need it i cant resist buying it that cause me to regret later. Are you familiar with this situation?
I'm very familiar with this situation. I don't have control to myself when I see items that are % on sale. But good thing I was able to overcome this habit by thinking that I have to fight against this type of mentality as I grow older when I see my savings I got not that much and that makes me want to save more and starts to ignore those things that I really like but it's not that important. Right now, I'm only buying things that I need and of course bills come first.

 
 

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April 27, 2018, 04:32:31 AM
 #29

I believe it has to be first thing first. Make a lists important things or set priorities in spending as to what is really needed before anything else or before your wants.Needs and wants are different so don't get confused. Needs basically refers to our daily needs for survival like food,clothing,shelter and water while wants are those unnecessary things.Keeping it that way will refrain you from spending on unimportant things.
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April 27, 2018, 04:55:00 AM
 #30

   Its always hard for me to avoid unnecessary expences, I like to enjoy every day of my life and dont care much about my future.
   I use to hide my funds to dont let my eyes notice it, to make my braint forget about it. I may give some of my funds to my relatives because I beleive they are able to keep it better. Cold bitcoin storage is also good solution for it

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April 27, 2018, 04:58:00 AM
 #31

In my opinion and based on what I am doing. I read books about finance and other related topic about money that is wrote by rich person or a group. Through time as I read it I learned their way which is keeping myself focus and do not let your money get distracted.

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April 27, 2018, 05:09:07 AM
 #32

I dont know if it is just me or others also experience it. I always set goals financially, set limits in spending and trying hard to save but most of the time no matter how i tell myself to refrain from spending in unnecessary things whenever i see something i really like even if i dont need it i cant resist buying it that cause me to regret later. Are you familiar with this situation?

You need to distinguish your NEEDS from your WANTS and you need to establish a financial goal and a concrete plan towards your daily-monthly expenditures. Mostly, it really boils down to your perspective and attitude on how you handle your finances. Typically, people usually spend more if they have the means of sustaining themselves. If you feel like you are spending too much, then the realization would help you into learning your lesson to not SPEND MORE.
Basically, self-control and self-discipline should govern your mind so you could manage your resources better.

In my opinion and based on what I am doing. I read books about finance and other related topic about money that is wrote by rich person or a group. Through time as I read it I learned their way which is keeping myself focus and do not let your money get distracted.

Thank you for pointing that out. Reading learning materials in relevance to financing can improve the basic financing of an individual. You should maximize your resources in order to sustain your knowledge about financing.

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Merjay18
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April 27, 2018, 05:58:32 AM
 #33

I dont know if it is just me or others also experience it. I always set goals financially, set limits in spending and trying hard to save but most of the time no matter how i tell myself to refrain from spending in unnecessary things whenever i see something i really like even if i dont need it i cant resist buying it that cause me to regret later. Are you familiar with this situation?
Hi, actually you are not the only one who experience in keep spending on unimportant things,many are also doing that i think its only normal when you have money to spend that's why you spend and buy something  you like.But as any other people say too much is not good so too much buying unimportant things is bad when you buy just because your fun on shopping unnecessary things.I suggest send your money at the bank for saving just left enough money to sustain your needs and specially try to cut-off your credit cards and cash card.In that way you will not tempted to spend more than you need.I hope my thoughts help you.  
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April 27, 2018, 07:14:03 AM
 #34

I do agree that spending on unimportant things and controlling one self about it is super hard.
I just on often put it to my thoughts that it will be heavenly to look on my wallet and see a thick wad of cash or a bank account with more than a single digit to it. Just think ahead - think about your future.
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April 27, 2018, 07:59:16 AM
 #35

If you do not spend your money on unnecessary things then you have to ask the question is it necessary? no it is not And you should buy what you need to rest but do not get caught up in it.
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April 27, 2018, 08:03:09 AM
 #36

Honestly, I feel relaxed when I buy stuff. Like you, I overspend the things that I really don't need. It's hard to resist when you go to the mall and you see there's a big sale coming. But I know this should stop. So what I do is when I go out to buy, I do some checklist and I bring only budgeted money. If I see something that I like, I won't buy it right away. I will think about it for 24 hours before I decide to buy it. With that technique, I won't be an impulsive buyer.

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April 27, 2018, 08:24:36 AM
 #37

I work strictly on a budget for my fiat matters. As for Crypto currencies, I have a very different approach, because I store 80% of my coins in cold storage <paper wallets>. This makes the access to my coins more difficult, so I am less likely to spend coins on "impulsive" spending habits.

You have to implement something that would stall your spending habits. It gives you time to think about it and once you thought about it a bit longer, you might realize that you do not need it and you will not buy it. It is like the sweets at the payout counter. You wait in line, and you look around at the sweets that are there on the display, then you buy it... because you are waiting and have nothing else to do. Did you really want that candy?

Financial discipline is hard and marketing of products is very aggressive.  Angry

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April 27, 2018, 08:32:06 AM
 #38

Here is the thing you know, the skills or ability how to manage your own economy is rise by yourself,  well you can also learn about it. But mostly it's all back to you tho, if you wanna do something you need to think of it first, what profit you will get and I think you need to be little bit stingy.
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April 27, 2018, 08:46:30 AM
 #39

I feel you mate. It is really hard to refrain yourself from spending. Even if you already know your wants and your needs and be convicted to yourself that you will only but things you really need. You are tempted whenever you see something that you want. Since I almost feel the same way with you, up until now I can't figure out how to refrain myself.

carlisle1
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April 27, 2018, 09:00:15 AM
 #40

I dont know if it is just me or others also experience it. I always set goals financially, set limits in spending and trying hard to save but most of the time no matter how i tell myself to refrain from spending in unnecessary things whenever i see something i really like even if i dont need it i cant resist buying it that cause me to regret later. Are you familiar with this situation?
i use to be like you since i was a boy,i remember that even i have a piggybank but i cant help my self breaking it just to spend my money,because the moment that money crossing my mind all i wanna do is buy stuff or anything that sometimes you will realize later that you dont really need those,but all you want is just to spend..

But things change when i met my wife,since then i let her handle all my financial aspects,i entrusted to her evertthing and thanks to God that she didnt take advantage of my money,and now that we're married things still goes that way.
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