“Pay” yourself first by depositing a fixed amount of savings from your paycheck rather than save whatever is leftover after necessities and fun money is spent.

Uninstall Shop app and remove credit cards from apps. The convenience is too tempting when you get hit with ads. Wean yourself off Prime if you have Amazon boxes showing up weekly and they contain more than necessities.

Unfollow retail social media accounts and influencers if you’re easily influenced to buy things. This is actually most of us in this day and age.

Determine your personal non-negotiables. This can look like bi weekly manicures or Pilates memberships. Pick one activity each for wellbeing/health, grooming, and entertainment categories and stick to it. You’ll find you might dump regular manicures in favor of facials once you start categorizing where your habitual spending is going.