As human beings most of our spending is not rational, most times we just shell out the credit card or keep piling stuff in because we feel like it or our friends just bought the same stuffs, I know it's hard to do, but if you want to succeed in personal finance, you have relearn how to spend money.
You should only spend on your essentials, try as much as you can to rationalize your spending, you can start with the good ol' budget and try to cap your spending to figure.
Find a way to stay accountable too, through an app or a group of friends.
You should only spend on your essentials, try as much as you can to rationalize your spending, you can start with the good ol' budget and try to cap your spending to figure.
Find a way to stay accountable too, through an app or a group of friends.