10 Ways to Stop Spending Money You Don’t Have.


Have you ever been in a situation where you claim you are broke but yet miraculously you have the money to buy that $50 pair of shoes you see in Macy’s that you just had to have?


Maybe it was the latest piece of technology and you just couldn’t pass it by.

Well, I have more times than I can count and I’m pretty sure you have also.

You know that saying “You make time for what you want.” The same concept applies to your finances, you really can find a way of getting money for what you really want.

So here’s the real question. If you can actually find a way to come up with money for something you want, why can’t you come up with money for something you need?

Maybe it’s because you don’t really know what you need or maybe you just don’t know how to go about it.

When I quit my job in May of 2017 we were down to one income with a mortgage of $250,000+ from a home we just built.

I thought I knew everything I needed to know when it came to personal finance and managing our money.

But when you are actually living a situation it’s not the same as your worst case scenarios you may create to be prepared. The reason why is because your whole thought process shifts.

When you have money and live comfortably it’s hard to put yourself in a needy situation because you’re not really in need.

I can’t go back in time but I can go forward more knowledgeable than before.

I’m here to help!
My family has been living off of one income for some months now and it hasn’t been easy at all but it has taught me more than I have ever learned in my adult life pertaining to finances.

And one of those hard truths is this: we had to stop spending money that we just didn’t have!

99% of the trouble that people have with money isn’t that there isn’t enough of it, but in that, there is no plan for it once you actually get it!

Here are 10 Ways to Stop Spending Money You Don’t Have

Know your Why.

What is your why?

Your why is the reason you want to stop spending money you don’t have or the reason you want to save and get your finances together.

Your why is powerful because it’s your ultimate motivator even beyond your goals.

So ask yourself why do I want to save money and change my finances for the better?

Maybe it’s because you feel you have this generational curse of being broke. I know that’s part of my why. Or maybe you desire to leave an inheritance of knowledge and wealth to your family. Also me!

Whatever it is, use it to spark change and tear down barriers.

Write down your goals.

Start your week off with goals. And place them in places you look frequently, like the bathroom mirror, refrigerator door, or sun visor mirror.

This will keep them fresh in your mind.

You can set goals like:
“I want to spend $75 this week on groceries”
“I will pack my lunch and not go out to eat for lunch this week”
“I only want to spend $50 on clothes that we need this month”
“I want to save $250 this month.”

Make your weekly budget.

I have a strong dislike for monthly budgets unless you only get paid once a month. I budget paycheck to paycheck or weekly. Budgeting this way allows you to easily keep track of your expenses and is a lot easier to manage.

You are also able to plan for last minute events or outings to determine if it’s a go or not.

For example, say you get paid Friday and after creating your budget for the following week you notice your expenses for the following week is the majority of that pay. Now you are able to gauge if you are able to go out for drinks after work on Wednesday.

No idea where to start with your budget? Start by getting the bank accounts every family needs, Then you can check out 5 simple steps to creating a budget, this will help you get on the right track.

Related: 12 Habits of financially successful parents

Use Cash Only!

I know you have heard this a million times, over and over and over again. But!


So I decided to bring it to your attention again. The truth is it works. My husband is a spender. He drives trucks during the day so he is constantly spending at gas stations knowing that everything in the store is overpriced.

So we came to mutual agreement that he leaves his debit card at home and takes cash only. But the thing is the cash has to last him the whole week.

Guess what?

The cash was gone the first day, so baby was hurting the rest of the week. Valuable lesson learned.

For me, it’s that dog on grocery store. Go in there with a debit card rather you have a list or not you getting at least three things that are not even on the list. So I learned to shop with just cash.

Shopping with a list.

It’s soooo simple. But just like using cash, we don’t use shopping list and if we do use a shopping list you either only have half the items you need on it or you are going to buy more than what you really need.

Before creating a shopping list I take inventory of my kitchen to see what we have and don’t have and write it down.

Then I proceed to write my shopping list. If you only need to run in to get milk and eggs which is is the dairy section why are you in the snack aisle all the way at the other end of the store. You deliberately went out your way. Now that’s a problem.

You mean to tell me your spirit didn’t convict you on that 2-minute journey saying “You know you don’t need no snacks.”

If it did you need to listen!

Make a list, and stick to it!

Create a Meal Plan!

Now I’m going, to be honest with you, this is still a work in progress for me. Because I don’t know what I’m going to be in the mood to eat on any specific day of the week. You may laugh but I’m dead serious. But I do attempt.

I know that my family has basically cut out all fried foods so we eat a lot of baked food, pasta, and veggies.

So I know for a fact that we will eat baked chicken breast at least once a week, we eat veggies daily and we will most likely have a pasta dish at least once a week.

I know one day will be Diogornos because I don’t feel like cooking every day and I may even do hotdogs because all I’m really worried about is my kids eating and that’s what they eat.

However, I absolutely love the idea of meal planning. Getting my chalkboard menu and hanging it up on the wall with every day perfectly planned out like a more excellent version of my kid’s school menu.

One day, this too shall come to pass.

But if you can create a meal plan better than I can go for it and then add those things to your grocery list. It will most definitely help save money and make grocery shopping more manageable.

Get rid of credit cards.

I don’t think credit cards are all bad, especially the ones that give you cash back and earn rewards. Only when you pay them off in full at the end of each billing cycle.

Credit cards become bad when you start using them because you have no money. So you loading up on unnecessary groceries, clothes, shoes and whatever else your little broke heart desires to only be able to afford the minimum payment.

If that sounds familiar to you get rid of the credit cards.

Stop shopping just to shop.

This is more for the women because we can literally find any reason to go shopping. And most of the times you have no money to shop with and so-called intentions to “just look”. Yea right!

Don’t let you find something that’s on a so-called sale it can be on sale for $100 and you would say but it was $1,000 and I’m getting it for a steal. No your paying $100 that you don’t have, where did it come from?

What could you have done with that $100? Because most likely the only reason you’re purchasing that item is that it was on sale. It’s a slight case of being a hoarder. Every woman has some sense of hoarder in them.

How many pairs of shoes are in your closet that you don’t wear? umm hmm, Yes, I’m guilty!

Even places like yard sales or Targets dollar spot you can go to and easily drop $30 bucks without batting an eye.

If you don’t go to the store you can’t spend money right?!

Find FREE fun!

There is absolutely nothing like FREE! Especially when it’s fun. This is one of the biggest and best ways to not spend money! But yet it has proved itself to be surprisingly hard. If you have kids it can be super hard. But it can be done!

Date nights can be as simple as a stroll through the park or a candlelight dinner with grandma watching the kids.

Girls night can be done super easy, just pick who will be the hostess take a look through your cabinets and its a plan.

Kids entertainment can be as simple as a trip to the library. And the great thing about the library is that they hold year-round FREE activities for kids of all ages. Also check out local community centers, churches, and organizations. Especially around the holidays!

Stop trying to impress others.

Not only is this dangerous to your finances but its dangerous to the mental. There are so many people going broke trying to buy the hottest brands and fashions trying to impress people who don’t care.

Do you know that I am sooooooo confident in myself that I can wear a $10 dress and make everyone stop and notice? Not to be conceded or anything it’s just that i love myself that much that clothes can’t define who I am.

Here’s your proof.

I got this dress for $10 at an outlet store.

Nobody would know it was $10 let alone the brand unless I told them.

So yes, it’s true that you can stop spending money. It may take a little effort on your part and some discipline but it can be done. If you think about it you could probably pinpoint some of those bad habits costing you money.

No matter what it just does it! Make up your mind that you will start controlling your money.

What are you going to do to stop spending money?

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  1. Miguel (The Rich Miser) November 2, 2017
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  3. Jerry Brown November 6, 2017
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  4. Jerry Brown November 7, 2017
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