Sometimes, staying within a budget isn’t only about what you spend but how you spend. Take the first step on your journey towards a healthier financial future by asking yourself, “What are my spending behaviors?”
Example: You tend to spend… on unplanned online shopping
The problem: You have a habit of surfing the web after work to relax, and wind up on shopping sites buying things you didn’t even know you “needed” until right now.
The fix: Get more creative with your free time! Make a vow to turn off the computer at a set time every evening so you’re not tempted to browse just because you find yourself bored. If you must go online for a specific reason, set a timer and stick to the task at hand.