I am spending too much money
Spending too much money is a problem that many people have, including those who actually earn very well. Try to find out the causes and change your behaviors.
Excessive spending over a long period of time can become a serious problem, especially if you are low on earnings and become over-indebted. But even if you are among the higher earners, it can't hurt to cut your expenses every now and then Check if you feel that you are over-indebted or that you are more frugal could. You can find some tips for saving money here.
Review your weekly expenses
- One tip that you have probably heard many times is that you should keep a household book to help you Get an overview of your expenses and see exactly where you are spending too much money. If you are very busy at work or in your private life and you don't have time to relax every day Sitting down and writing down your expenses can change your behavior towards money as well check.
- With every issue, ask yourself whether you really need it. Instead of eating out, cook at home, avoid shopping several times a week, and walk instead of driving.
- Buy what you really need in the supermarket. Write down the things you want to buy on a shopping list. Never go shopping hungry, avoid expensive sweets or alcoholic beverages. On the other hand, you shouldn't skimp on good meat or good sausage.
- A social evening with friends at the cinema or a pub is important, but if you feel like you are spending too much money on those days, move those evenings home. It's just as cozy there, but you keep your expenses under control.
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There is always a reason to spend too much money
- If shopping has become an addiction for you, think about what could be causing it. Do you have problems in your relationship, just survived a breakup or anger at work? Confide in friends or family, because talking to each other can be of great help.
- If you believe that your desire to spend has already taken on the dimensions of shopping addiction, you should seek professional help. You will not be able to get out of this vortex on your own.
