How to Create Better Spending Habits

How to Create Better Spending Habits

Spending money is a fact of life, albeit one of the fun ones.

Another fact of life: How you spend your money is just as important to your financial success as your decision to save or get out of debt.

Smart spending habits keep you from paying too much for an item, overspending on your restaurant budget, or impulse-buying an infomercial curling iron that doubles as a knife sharpener. Nobody needs that.

When you spend smarter, your money goes further. Read on to discover how you can break bad spending habits and create new, healthy ones.

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How to Save Money on Pumpkin Spice Lattes

How to Save Money on Pumpkin Spice Lattes

Well, it’s officially fall!

How do we know? Because the pumpkin spice latte craze is back in full swing.

This drink is no joke. Since Starbucks released it in 2003, more than 200 million cups have been sold.¹ It might even be one of their most profitable beverages yet.

There’s no denying that when the temperature drops and leaves crunch beneath your feet, cradling a warm cup of pumpkin latte goodness sounds like heaven on earth. But if you’re living on a tight budget—especially if you’re paying off debt or trying to hit a big savings goal—these decadent drinks can drain your bank account in the blink of an eye.

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7 Ways to Overcome Emotional Spending

7 Ways to Overcome Emotional Spending

Emotions and moods have a way of directing our spending behavior. Since we can’t always predict our future emotions while making our budgets, how do we prevent retail therapy (or a sugar craving that results in buying donuts for the whole office) from throwing a wrench into things later in the month?

You can avoid emotional spending by having a plan. Here are seven of those feelings that can tempt you to spend, plus some strategies for thinking clearly while you’re in the middle of them.

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How to Not Feel Guilty About Spending Money on Yourself

How to Not Feel Guilty About Spending Money on Yourself

Ever feel guilty about spending money on yourself?

Your budget is chock full of retirement savings, baseball uniforms and birthday gifts. You love these things, but maybe your frizzed out hair is begging for a cut and color. Or maybe you’ve been eyeing a cordless drill for months.

With everything your family needs in a month, it can put your wants on hold. Because in your mind, that’s money you could be putting into your kids’ college funds or paying off your house early.

Here’s the deal: You don’t have to choose between personal wants and family needs. Of course you’ll cover your family needs first, but that doesn’t mean you have to sacrifice all your personal wants in the process. Find some “you” space in the budget with our seven guilt-free tips.

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10 Items You Should Buy Generic

10 Items You Should Buy Generic

Sometimes it’s worth paying a higher price for a name-brand product. Maybe you like the taste of a particular food or you want a certain brand of baby diapers—we totally get that.

But what about those items you hardly think about, like trash bags or sugar? You could save a hefty amount, possibly to 20–30%, by purchasing the generic version instead. You probably won’t even notice a difference in your daily routine. Plus, that extra money can make a big impact on your budget.

Sound too good to be true? It’s not, and here are 10 ways we can prove it to you. Next time you go shopping, look for the generic versions of these items.

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