How to Stop Spending Money – 25 Ways to Curb Overspending TODAY


If you've landed here on this page…I'm willing to bet your spending habits aren't (as Mary Poppins says) ship-shape.  Writing about how to stop spending money is something I cover often here on the site, but for those struggling to get a handle on their overspending – there is hope. Below are a few exercises and activities to do to help overcome your overspending problem – whether it's a full-blown addiction or a bad habit you'd like to break in order to live a better financial future.

25 Examples of How to Stop Spending Money

  • 5 ways to assess if you have a legitimate shopping problem.
  • See how much mindless shopping costs you by tracking your spending in an app. Swiping your card is often painless, but when you see in your “shopping” tab $400.. it's definitely a reality check.
  • Find a licensed therapist, particularly one who specializes in addiction or money counseling.
  • Try one of these six tricks when you feel the urge to shop.
  • If you feel up to it – go cold turkey by tackling a no spend challenge.
  • Consider an all-cash diet. Getting cash out of an ATM always puts me on the right path.
  • Sync your checking account with an app like Qapital to sock away little bits of cash and allow yourself to ONLY spend this money. Then do so guilt free! It's important to do this to learn that you can still spend but do so in a planned, thoughtful way.
  • Try an all-out money cleanse for your wallet and existing money habits.
  • Instead of using extra energy to shop and consume – put your energy into a creative outlet like starting a new blog or new side hustle.
  • Learn how to change your consumer-driven lifestyle by reading Cait Flanders or The Minimalists for inspiration on how to live with less and spend more mindfully. ‘
  • Sometimes those who overspend do so because they haven't tried the structure of a budget. Here's how to set up a budget that will actually work FOR you, not against you.
  • Challenge yourself to not shop or spend money on whatever is your trigger for 2 weeks. Set a reward in advance of what you'll give yourself when you succeed. It's called learning how to splurge guilt free.
  • It's often easier to save money when we make our savings goals personal. WHY do you want to change your addicted to spending money persona? What is it all for? 
  • Focus on nurturing your inside rather than your “outside” by trying one of these self care routines.

It's tough work to change your behavior when you've been spending unfettered for so long, but it CAN be done.



How to Stop Spending Money – 25 Ways to Curb Overspending TODAY
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  • Lisa
    July 8, 2017 at 9:23 pm

    Haha. I woke up down today. You’ve chreeed me up!

  • Alexis @FITnancials
    May 30, 2017 at 7:13 pm

    I’ve noticed that I sometimes get a “high” when I buy certain things, or when I know that I’m about to go shopping. I think it’s mostly due to the satisfaction of getting a new thing, but that new thing can quickly wear off. It’s tough, especially since we live in such a consumerist society.

    • Lauren Bowling
      May 31, 2017 at 2:17 pm

      Lately, I’ve been a little too into the “hunt” of finding something I want at a deep discount or sale. At the same time, it’s saving money, but indulging in a shopping behavior, which is something I don’t want.