If you know me in real life (and even if you don’t), you probably know that I’m so NOT naturally frugal. I’m definitely a natural spender.
I like spending money on nice things.
Pretty things call to me in stores, saying “Puh-lease buy me!”
Eating out with friends is one of my favorite hobbies.
Cash barely hits my wallet before I’ve spent it.
But, despite all of those things, I’ve been steadily paying off debt and building my savings.
How? Because I’ve found that just a few simple changes can help us natural spenders to finally because frugal. (At least by our standards.)
Here are 6 things you must do if you’re ready to ditch the overspending and start embracing frugality.
1. Take a Pause
Admittedly, this first one is the hardest one for me! It’s something I’m still working on myself because it involves moving past excuses and learning to be more patient. Basically, it’s the 24, or 48 hour rule if you’ve ever heard of that.
Instead of buying something you think you “need”, or that shiny, sparkly thing screaming your name from the store shelf, take a pause.
Don’t give in to the temptation to buy something right away if you haven’t already been wanting or needing it, or thinking about buying it for a while.
These impulse purchases are something that we spenders tend to go way overboard on and this is one of the biggest ways we bust our budgets.
Now, I know what you’re thinking.
“But, I live too far away to go back to store later.”
Have you heard of online shopping? Wait until you get home and if you still want it in a day or two, order it! You can almost always get a coupon code for free shipping, or use Ebates to get a cash back discount at tons of stores.
I used to use that excuse too, but if you’re ready to become frugal and stop overspending, excuses are your enemy.