changing spending habits to saving

How To Stop Spending So Much Money Once And For All

We often catch ourselves wondering, "why am I broke at the end of each month?". Unless you have really good self-control, staying within your budget is not easy, to say the least. And even if you do not splurge on the big stuff, it is actually the little things that can break your budget.

If you also find yourself on the fringe at the end of each month, here is how to stop spending so much money, once and for all.

Make A Budget

The most important thing that you can do to stop yourself from spending so much is to make a monthly budget. You can start by deducting the important expenses from your monthly income such as food, utilities, rent, and transport. Once you have deducted the essentials you should set aside an amount for your savings or emergency fund.

The amount that you are left with is basically what you can spend on all other stuff including shopping and eating out. Once you are on a budget and know how much you have for leisure, you will naturally spend less.

Track Your Spending

As we said earlier, it is actually the little expenses that can pile up and take a big chunk of your monthly expenditure. And unless you track all your spending, including the little ones, you will never be in control of your spending habits.

Stop With The Online Shopping

With targeted ads on social media, it is hard to avoid the temptation of online shopping. And if you do give in to the temptation, online shopping can be like quicksand. Most of the time we do not even need to shop online but it gives us a rush. To prevent it, one trick is to simply sleep on it.

Delay your purchase and if you still feel like you need to buy it then go ahead. In a similar vein, you can also remove your credit card and payment information from your phone or browser. The extra time required to fill in this information might be enough to prevent you from going ahead with the purchase.


Related content: The 6 Most Common Reasons For Overspending Problems


Stop Eating Out So Much

If you properly track your expenses, chances are that eating out will make up a major percentage of your monthly spending. Instead of eating out at restaurants etc., try to create a home-based meal plan that works with your schedule.

Secondly, having Starbucks before work every day or ordering lunch at the office can really add up to a lot. Try to cook your breakfast and lunch at home and take it with you., this will go a long way in helping you stop spending so much.


Related content: Top Ten Ways People Are Throwing Away Their Money


Get A Title Loan

The tips and tricks we have highlighted are great ways of helping you stop spending so much. But sometimes we need quick cash for emergencies such as medical bills or home or car repairs. If this is the case and you own a car then getting a car title loan might be a good option for you.

couple spending money poorly needs a title loan


Benefits Of Title Loans In Mississippi

Our Process Is Quick And Easy

The main advantage of car title loans is that they are easy to acquire and ensure same day cash payment. With Mississippi Title Loans, the whole process is hassle-free and takes just 30 minutes. All you have to do is to fill out an online application to start. There is hardly any paperwork required at all once you get started.

At Mississippi Title Loans, you can get $300 to $2,500 for help in those sudden emergencies.

Bad Credit Isn’t A Problem

Another advantage of getting title loans is that bad credit won’t get in your way. While traditional lenders go through extensive credit checks, with title loans you are still eligible to get a title loan even if you have bad credit.

Your Car Will Not Be Requisitioned

If you get a title loan, you will be free to use your car as long as you keep on making the payments. We are using your vehicle’s title as collateral – not the vehicle. So you are free to go about your days driving around in your vehicle while you have the loan. And once it is repaid, your title is returned to you.

How To Acquire A Vehicle Title Loan

To acquire a title loan, you can easily begin right online and then either go to one of our Mississippi title loan locations or have us come to you. This is the step-by-step process for acquiring car title loans:

  1. Go to our website and fill out the online form that is right at the top;
  2. Once you are finished, you will get a call from one of our loan representatives who will talk to you about the next few steps. This is where you can give them a location to meet you;
  3. You will have to bring the car’s title, your driver’s license or ID, and your car for a quick inspection;
  4. Whether at the store or another location, the representative will check your car and let you know the loan amount you are eligible for;
  5. Once that is finished, the representative will determine if you’ve been approved. If you are, you can then get the cash right there or the next bank business day.

If your finances are out of whack, take control and stop spending money irresponsibly with these tips.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Emma Frost

Emma Frost is a lifestyle and finance blogger with a talent for communication and a passion for financial literacy. She uses her writing talents to explore topics that help her readers gain financial stability and growth.