👉👉Use cash only
Shopping using card look more convenient and most time encourages you to buy unnecessary things even out of plans. I really observed I spend more money(even more than 20% of my salary) on airtime only any month I load airtime directly from my bank account through USSD. This is so convenient that immediately I exhausted my airtime when calling, I just dial the USSD code to get another. This doesn't help you financially. You get to stop. Knowing your Credit and Debit Card Number offhand isn't helpful for you. It makes you shop unnecessarily online. Using cash-only envelope budgeting system can help you minimize your spendings and sticks to budget.
Currently, there are things that are even easier to do without a card, namely the paylater feature, and in my country, almost all major marketplaces have this feature, which allows people to shop beyond their limits because being able to enjoy this feature is easier than getting a credit card, but the interest is higher and it doesn't make sense but its convenience will make people want to use it especially if they don't have the right financial plan and also good self-control
CONCLUSION
It's good for one to satisfy his/her desire when making purchase of items but this shouldn't cause issues in ones lifestyle. The key to stop spending too much money is to create better money habits in your daily life. But I know that’s easier said than done. Putting one or all of these ideas into action, helps in building a healthy spending habit. Take control of your spending today and you’ll reap financial rewards for years to come.
of all it is very important to have a financial plan and continue to comply with what has been planned by controlling yourself from desires that do not build at all other than just spending our money and more than what we produce