[vc_row][vc_column][stm_spacer height=”150″ height_mobile=”-100″][vc_custom_heading source=”post_title” font_container=”tag:h4|text_align:center|color:%233f3f3f” google_fonts=”font_family:Montserrat%3Aregular%2C700|font_style:700%20bold%20regular%3A700%3Anormal”][/vc_column][/vc_row][vc_row][vc_column width=”1/6″][/vc_column][vc_column width=”2/3″][vc_single_image image=”14205″ img_size=”large” alignment=”center” css_animation=”none”][stm_separator color=”custom” style=”style_3″ custom_color=”#0d97ff” sep_width=”200px” sep_height=”10px” sep_css=”.vc_custom_1571309810608{margin-top: 20px !important;}”][vc_raw_html]JTVCRElTUExBWV9VTFRJTUFURV9TT0NJQUxfSUNPTlMlNUQ=[/vc_raw_html][vc_column_text]Sticking to a budget can be troublesome given all the enticing discounts, must-have items, and hard-to-resist purchases that are literally at the tip of our fingers. Challenging as this may seem, especially to individuals who haven’t developed a good financial habit, always remember that it is still possible. 
Here are three spending strategies that will help curb spur of the moment splurges:[/vc_column_text][vc_column_text]1. Identify your spending triggers
The first step to successful financial management is identifying the root causes of one’s splurging tendencies. Whether it’s because of peer pressure or retail therapy, self-assessment is the key to cut unhealthy financial habits. Along with this, understanding why you want to change for the better will help keep you motivated.[/vc_column_text][vc_column_text]2. Create a budget and stick to it
You may have heard or read this advice a million times already but establishing a realistic budget, one that is properly balanced with your recurring expenses, basic necessities, and wants, will serve as your spending guide. To start this, list your variable spending which is heavily based on your actual past expenses. 
Need more help in this area? Read our blog to get more information on how you can up your budgeting game.[/vc_column_text][vc_column_text]3. Get your finger off that add-to-cart button and control yourself
Discounted items advertised in shopping sites and e-commerce apps that are only a few clicks away are very tempting. If you really want to make that big purchase,take at least a week to reflect and see whether you really need that item.. Another principle that may help you in making a big spending decision is to realize if you can buy the item twice or thrice without going broke. If you can, that’s a green light. [/vc_column_text][vc_column_text]Controlling your finances and implementing a budget are easier said than done. What’s important is for you to start small and take it one day at a time. Financial progress isn’t a linear journey. There are days when you’d feel a little demotivated or would just feel like quitting. Best to have an accountability partner whom you can rely on and be a source of motivation for you. For more insightful tips on how you can manage your finances and be on track to financial wellness, read our blogs here.[/vc_column_text][vc_raw_html]JTVCRElTUExBWV9VTFRJTUFURV9TT0NJQUxfSUNPTlMlNUQ=[/vc_raw_html][/vc_column][vc_column width=”1/6″][/vc_column][/vc_row][vc_row disable_element=”yes” shadow_x_offset=”0″ shadow_y_offset=”0″ shadow_blur=”0″ shadow_spread=”0″][vc_column][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]