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How to Stop Spending Money on THINGS YOU DON’T NEED

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Are you wondering how to stop spending money on things you don’t need? I have asked the same question and today, I’ve got an answer. 

When I was in my early 20’s and got my first job, I enjoyed spending my paycheck! But the problem was I was spending money on unnecessary things. 

At the time, I hung out with a couple of friends who also loved to spend money. Every weekend we would go out to eat and it wasn’t the Dollar menu at McDonald’s either! It was a sit down restaurant.

On Saturdays we would hit the mall, Target, and Hobby Lobby.

Often we would get pedicures together.

Don’t get me wrong.

A good pedicure is a nice treat every once in awhile, but twice a month really added up especially when I knew I could paint my nails myself.

My closet was FULL of clothes and shoes. My room was decorated nicely. I knew the menus at the restaurants by heart, and my feet were in good shape from all those pedicures! 🙂 

However, I needed to cut back on my spending because I was literally spending money on things I didn’t need. After realizing my spending problem, I started getting more intentional about my spending and even used a budget to start saving money! 

How to Stop Spending Money on Unnecessary Things

1.  Spend less time with people who like to spend money.

The people you spend the most time with have the greatest influence on you. If you are constantly around people who love to spend money on frivolous things, it may be time to find new friends.

Limit the time you spend with people who like to shop and go out to eat often. This can be hard to do, but it is important if you want to stop spending money on things you don’t need.


2. Stop spending by shopping with intention.

I used to spend a couple weekends a month going to stores to just look around, and I would end up buying a new shirt or pair of shoes even though my closet was full.

Now, I don’t go shopping unless there is something that I need

If you find me at the mall, I am looking for something specific. I only go into the shops that carry exactly what I am looking for. When I go to the grocery store, I carry a list and stick to it. This eliminates impulse buys.

I love the book, Living Well, Spending Less* because the author Ruth Suokup explains that shopping should not be a hobby. Yes, it can be enjoyable, but shopping should be intentional not just to spend money when we are bored or emotional.

Disclaimer: Window shopping can be fun, just make sure you are NOT buying anything you don’t have a purpose for. My husband and I like to look around antique shops often, but only purchase things if we know we will need it.

My rule is this: If I didn’t need it when I walked into the store, I don’t need it when I walk out of the store. This has stopped me from spending money on unnecessary items several times and is something that I practiced during my no-spend week.

3. Stop watching and reading things that tempt you to buy.

We are constantly getting advertisements via blogs, YouTube videos, celebrities, social media sites, even apps on smartphones!

I have stopped watching certain YouTube channels and following certain bloggers because it seems as though their posts are commercials for the next best hair product, trend in clothing, or home accessory.

These people advertise it as something that we just can’t live without, but truthfully we could live without a lot of what we already have. I love decorating my home with what I already have!

4. Avoid the “gotchyas” when you do shop.

You know what gets me every single time?

The Dollar Spot at Target. There is something about what they have in that small section of the store that always speaks to me. I know I’m not the only one!

The items are only $1-5, but those dollars add up fast, and it is usually spent on stuff that I don’t need! In order to avoid the temptation completely, I now walk right past that section when I enter the store.

5. Wait a month before spending money.

By waiting a month, you may also realize that you don’t actually need the item that you thought was necessary. I thought that we needed shelves in our bathroom to hold washcloths and soaps. My husband said to wait a while before getting new shelves.

In the meantime, I rearranged the cabinet under the sink to store the cloths and soap. We realized that really didn’t need to spend money on new shelves and avoided spending our money on something we didn’t need!







Other Posts You Will Enjoy:

How to Instantly Lower the Grocery Budget

Surviving a No-Spend Week


How to stop spending money on things you don't need! Here are 5 Simple tips to stop spending your money on unnecessary things. #stopspending #savemoneytips

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11 thoughts on “How to Stop Spending Money on THINGS YOU DON’T NEED

  1. Such great tips! Yes, definitely cut the time with spenders. I had a friend like that and I blew through more money in highschool than I do now. but I also used to go on shopping sprees something i really have worked on since marrying Kyle and combining our finances.

    liz jo @ sundays with sophie

    1. That is great, Liz. It is crazy how much money you can blow without even realizing it! My shopping sprees have come to a stop since living on one income, and it actually has been nice not bringing more stuff into our home.

  2. Having a baby also helps you stop spending money when you are the one staying home! 🙂 Not only does it keep you out of the stores, but you're watching your pennies much more closely. Oh, the lessons we learn…

    1. So, So True! Sometimes I put things back on the shelf because I think to myself how many diapers I could get for that same price! Spending definitely changes when you are a parent.

  3. Doing a monthly budget has saved my life, really! I would bounce checks like a rubber ball! LOL! I love to shop and decorate, so in my budget after God I pay myself ( stays in my check book) bills, needs, and if any is left , I put a little back for me to spend as I chose! I right it down on paper and live by it! Best thing I ever did for myself!

    1. I love hearing this, Gail! A budget frees us to buy what we really can afford. I think the hardest part about a budget is living it. But it is the best thing we can do for our money. Thank you so much for sharing how a budget has made a difference in your life!

  4. Great tips! I really like the tip about not spending time with spenders. I recently explained to a friend that I loved spending time with her, but I didn’t like how much it cost me. Amazingly, she understood once I explained how I wanted to save money rather than spending it. And even though she is still single and likes to shop, she has become one of my best bargain buddies now. We get together to go grocery shopping, she is even starting to learn how to use a list, and to get anything that is needed (not wanted). I am very lucky that my friend understood where I was coming from.
    Thank you for sharing these, they were a great reminder that savings is more important than things.

    1. Cara, I loved reading about you and your friend! It sounds like you are having a good influence on her. Shopping with a list and only buying things you need is super helpful when it comes to saving!

  5. There are one or two shops on-line that I cannot visit anymore! When I think of all the ones I have (ones=fill in the blank) and I’m not currently using often, I cannot justify getting more! Just bought a large piggy bank (okay, it’s a dragon bank) and every time I get tempted, a few dollars go into the bank instead. #5 is huge for me. I buy a lot of crystal related items(gemstones) and in one month, the one I wanted, has 99% of the time has been sold, and I don’t miss it!

    1. Yay for the dragon bank! Adding to it when you are tempted to spend is a great idea. And yes, waiting to purchase something helps curtail a lot of spending for me too.

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