What is the “art” of overspending? Sounds familiar? Maybe it’s because this has been such a phenomenon nowadays. A common problem that everyone seems to have and experience. Why is it always a fight when it comes to money? This is the reason why most people now have debt of all kinds. If not, some are in dire financial trouble due to overspending.

Whether the overspending is on furniture, clothes, jewelry, things, and whatever luxuries one might have. This is not spending because you have to, but because you want to. These two are miles apart when it comes to definition. Nowadays, people find it hard to limit their spending on the things they need. They are also spending lavishly without thinking about tomorrow or the days to come.

And if you are in the same boat as these people and suddenly come across this article, congratulations because now is the time for you to wake up and open your eyes on this topic. So you may also be wondering, how do you avoid the “art” that has been plaguing you? Read on and learn.

Let’s talk about your excessive spending on clothes. If you’re thinking about how to choose and eventually buy clothes for yourself or your family, here are some tips on how you won’t overspend. It is advisable to find a delivery store that contains and offers clothing that has high quality standards and its inventory generally meets all the requirements and specifications of the brand. When clothing comes from an earlier batch, it usually costs less when it’s with retailers. But don’t forget to check the fabric too. Another smart move is to shop for clothes when it’s not the shopping season. However, choose those that will never go out of style, so that you can still use them for a long time.

Next will be your credit card. This card is, in fact, one of the reasons people often get into dire financial straits, or worse, bankruptcy, these days. The convenience of credit cards can be taken as both a curse and a blessing for the cardholder. It can be a boon for those who don’t like to carry cash around with them. But then a new plethora of issues and problems accompany this thing. Credit cards are great ways to overspend. Certainly, there is no limit to your spending when you have this card. You can buy what you want, when you want or where you want. So, remember this, if you already have a card with you, your option is not to take it with you when you go shopping or to the supermarket. Leave it behind. Credit cards should be for emergency use only. Especially more so when you are one of those who buys on impulse and on a whim.

The next tip is definitely to avoid going with the flow of holiday hype. Although, I must admit that this is easier said than done. Particularly when malls and entrepreneurs offer tempting sales and freebies when you buy this and that from them. Therefore, this makes it difficult to overspend during the holidays. In fact, research will even show that people tend to buy more and spend more during the holiday seasons as they thought they could actually get items at lower prices when sometimes this may not be true at all. So what can we do? First, look at the calendar closest to you now. So think about it, how many holidays are legal in the calendar? There are 5 international legal holidays in our calendar. Now my question is, do you intend to spend 2x what you normally spend for just five days a year when you have all the time in the world within the year? I think your common sense will answer you.

And finally, learn to discipline no one but yourself. Yes, no one will be able to control how you spend except yourself. Discipline that self within you. Talk to yourself and scold him. Remember not to overspend when shopping or shopping. Tell yourself it’s so hard to make money, so why make it easy to spend?

These suggestions are just a few that you will easily follow when you are serious about changing your ways. There is still more than you can do. Just make sure you are consistent when doing them. Any change must start from within us.