I dont know if it is just me or others also experience it. I always set goals financially, set limits in spending and trying hard to save but most of the time no matter how i tell myself to refrain from spending in unnecessary things whenever i see something i really like even if i dont need it i cant resist buying it that cause me to regret later. Are you familiar with this situation?
What happen if you cant resist spending on unneccesary things. Your budget will be disalign or not enough to sustain your daily needs. If you dont have enough savings, you will resort to borrowing money. If you want to stop it, dont bring extra money when going out just enough for your daily needs. Cut your credit cards. Dont go out or go to the mall if not needed. Discipline yourself.