(WFSB) – During the pandemic, many of us bought things that we don’t need.

“How do I stop spending too much?” Asked Stefanie O’Connell Rodriguez, presenter of Money Confidential on Real Simple Podcast.

Stefanie says that a lot of people ask this question.

“Make it harder to spend money so don’t save this credit card number in your checkout settings so it’s so easy that you can spend it with just one click. Finding your wallet or purse, digging up your credit card and typing in the numbers only leaves you with more time between the urge to save money and the actual purchase, “said O’Connell Rodriguez.

Or leave the card all together and use cash.

“Cash is restrictive. You can’t spend more money than you have available, such as having a credit card to be an opportunity to use only cash, “said O’Connell Rodriguez.

Spend journals help you keep to your budget.

“What happens in those moments when you tend to spend too much or the urge to splurge? Is it a particular circumstance or a situation? Does it feel a certain way when you are happy, angry, tired, hungry? Just knowing when you are over-spending these feelings can help you figure out ways you can create better systems for managing these moments, “continued O’Connell Rodriguez.

And finally, create visual reminders of your goals.

“A background on your phone of the house you want to buy and the down payment you are saving for is a great example, or just print out a picture of the vacation destination you want to visit after a lockdown and wrap it in yours Cash and your credit card so that every time you spend money you are reminded whether this purchase will help you get closer to or further away from that vacation, “added O’Connell Rodriguez.

The Money Confidential Podcast is produced by this news broadcaster’s parent company, Meredith Corporation.

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