SAY NO TO OVERSPENDING!

Here are FIVE more great tips to help get your finances in check.

Be Aware Of How Much Money You Spend Many chronic spendaholics live in denial about how much they spend. If you realise how much you spend on various items, this alone may be sufficient to reduce your spending.

Avoid Impulsive Spending If you see something you want to buy, try waiting a day before buying. If you really want it, you will come back plus this also gives you the chance to find other things that may be better.

Don't Spend Time Where It Is Easy To Spend Money If we spend a lot of time in shopping complexes, we will naturally be drawn to spend money. This spending is mainly to relieve our boredom and not because we need to buy it.

Have Clear Objectives When Shopping Before going shopping, have a clear objective of what you need to buy. This means that you will buy, things because you need them, rather than because they " look nice"

Re-Evaluate Your Spending Habits Just because you spend RM10 for lunch every day doesn't mean the habit has to continue forever. Re-Evaluate all your habitual spending patterns and decide whether they are really necessary.