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10 Best Tips for Being Mindful of Habitual Spending

From tracking your expenses to set spending limits, these strategies will help you take control of your finances and achieve your financial goals.

10 Best Tips for Being Mindful of Habitual Spending

You need to find the ‘best version’ of an item through intense research and reading many reviews.

1. Do Research Before, Buying the Item

Many people in the thread agreed that you pay yourself first. Set aside a certain amount automatically each paycheck to be invested or go into savings.

2. Save and Invest First

By putting a budgeted amount of money onto the card and using it for daily expenditures, it prevented going over budget. 

3. Use Amex Prepared Gift Card

To avoid lifestyle creep, they suggest adding the whole raise amount directly to retirement since many 401ks are based on percentage contributions.

4. Increase Your Retirement Contribution

One way to do this is to use the budgeting software “You Need A Budget” (YNAB) which allows you to budget for specific wants and needs, such as dining out or vacation.

5. Create a Budget

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