3 Simple Things That Helped Me Stop Overspending

Introduction 

I used to be the person who’d walk into a store for one thing and leave with a cart full of stuff I didn’t really need. Sound familiar? If you often wonder where your money goes or feel stressed about spending, you’re not alone. Overspending is a common struggle, but the good news is you can take control without feeling like you’re missing out.
A man is setting and look like he is upset and stressed because he overspend
After years of battling this, I found three simple strategies that changed everything. These aren’t about harsh restrictions—they’re about making smarter choices that help you feel confident and in control.

Why Do We Overspend?

Overspending isn’t just about money—it’s often about emotions and habits. Stress, boredom, social pressure, and impulse all play a role. When we’re stressed, our brain’s fight-or-flight response kicks in, making it harder to make rational decisions. So just telling yourself to “budget better” rarely works. You need practical tools that work with how your brain functions.

1. The 24-Hour Pause Method

This is the most powerful tool I discovered for stopping impulse buys. The idea is simple: wait 24 hours before buying anything non-essential.

When you see something you want, your brain releases dopamine, creating an urge to buy. But this excitement usually fades within a day. Waiting lets your brain reset and helps you decide if you really want or need the item.

How I Use It

  • In stores: I take a photo of the item and leave. If I still want it the next day, I consider buying it. Most times, I don’t.
  • Online: I add items to my cart and close the app. Sometimes, I even get discount codes if I wait.
  • Big purchases: I extend the wait to a week.

During the wait, I ask myself:

  • Do I really need this?
  • What problem am I solving by buying it?
  • How will I feel about it in a month?
  • Can I find it cheaper elsewhere?
This pause stops many impulse purchases and helps me spend intentionally.

2. The Cash Envelope System (With a Modern Twist)

Using cash might sound old-fashioned, but it’s surprisingly effective. People tend to spend 12-18% less when using cash because it feels more real—you see and feel the money leaving your hands.

My Version

Instead of carrying envelopes full of cash everywhere, I use cash for problem areas like dining out and entertainment. I withdraw a set amount each month and once it’s gone, I’m done spending in those categories.

For everything else, I use a budgeting app to track expenses like rent and groceries.

How to Start

  • Identify where you overspend most.
  • Withdraw cash for those areas only.
  • Set realistic spending limits.
  • Keep cash visible so you know how much is left.
This system stops me from borrowing from future income and encourages creativity—like cooking at home when dining-out cash runs out.

3. The “Needs vs. Wants” Reality Check

Most people don’t really think about whether they need something or just want it. I use a simple three-question filter before any purchase:
  1. What happens if I don’t buy this?
  2. Do I already have something like this?
  3. Am I buying this to solve a problem or to feel better?

Real-Life Example

I once wanted a new workout outfit after seeing an influencer wear it. Asking these questions, I realized I had plenty of workout clothes and was just chasing a feeling. So I didn’t buy it and saved $85.

For necessary things, like fixing a cracked phone screen, the answers showed it was a real need.

The “Use It First” Rule

Before buying new things, I commit to using what I already have. This helps me rediscover items I love and prevents unnecessary purchases.

Changing Your Mindset About Spending

Controlling spending isn’t about deprivation—it’s about intention. When you spend mindfully, you enjoy your purchases more because they’re deliberate.

For example, instead of buying coffee daily, I invested in a good coffee maker and quality beans at home, saving about $120 a month while enjoying better coffee.

Setting spending boundaries actually made me feel freer. Knowing I have a set budget for entertainment lets me enjoy it without guilt.

Conclusion 

You don’t need to do everything at once. Start with the strategy that feels easiest:
  1. Impulse buyer? Try the 24-hour pause for a week.
  2. Overspend in certain areas? Use cash envelopes there.
  3. Unsure where your money goes? Use the needs vs. wants filter.
Small, consistent changes build lasting financial confidence and peace of mind.

Ready to take control? Download my free 30-day spending awareness workbook to track your progress and build better habits! 

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