Isn't it stressful when we spend more than expected, right? especially if we follow a budget, having a smart spending habit is a good way to avoid such situations or events.
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2. Find out what triggers the cost
It's important that we know this if it's stress, boredom, pressure from friends, need to follow the trend and so on. It is important that we have discipline in these things if you want to avoid overspending. For example, if you're bored, you hang out online shopping at Lazada, Amazon, and others, this habit should be replaced with something more productive, such as cleaning the house and others where you can avoid it and do something good.
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often external validation makes us spend money that we don't really need to spend in order to get recognition from friends or follow current trends, for example, when friends buy shoes worth $1000, we don't want to lose, we instead buy shoes that cost $2000, i often encounter traits like this in my circle of friends and if we continue to follow them then traits like this will make us poorer and get into debt.
The discipline of managing finances is easy and not difficult, the important thing is that we have to control our desires to buy things we don't need, it's better if we invest the money in important things like Bitcoin or other assets rather than buy luxury goods which in the next few months will experience price depreciation.