ask yourself-
can I afford to spend on this?
do i spend more than I earn?
what are my goals
list your income and expenses use pen and pencil or spreadsheet
separate needs from wants
separate fix and variable expenditure
re-budget
save on electricity by switching off when not needed,
save on transportation by sharing,
optimize use of credit cards,
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prepare a list before going for shopping.
learn to say no
save money
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