The more you think through spending before it happens, the more intentional you can be with money. And the more you align your spending with what you value, the happier you'll be with what you purchase.
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Most people react to their finances. The problem with that is that you rely on chance to have enough money in the bank when you actually need it. Be intentional about your money and spend time reviewing and evaluating it. If you don't, you'll never know if you're moving in the right direct...
Spending subconsciously through auto-charge can be a waste of money. For instance, a gym membership. Other things could be hot products you've heard rave reviews about or items you pick up on an impulse.
Ask yourself exactly how you will use the item before you purchase it.
Avoid spending money before you actually have demand for what you are acquiring.
Allow yourself to be inefficient until you have enough work to make greater efficiency truly matter.
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