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Dear Amy,

 

I’m trying to cut back on my spending, but every time I pass a sale or an online ad for something I “need,” I can’t resist. My credit card balance keeps climbing and my bank account is dwindling. Any advice on how to stop this vicious cycle?

 

Sincerely, Broke but Stylish

 

Dear Broke but Stylish,

 

The key to cutting back on spending is all about perspective. If your credit card is maxed out, just get another one. Financial institutions are dying to give you free money. Think of it as a game — how many points can you rack up before someone tells you to stop?

Alternatively, you could embrace your inner influencer. Start referring to every purchase as an “investment.” Fancy coffee? Investment in productivity. New shoes? Investment in walking to save gas money. Tell your friends you’re not overspending — you’re diversifying your assets. Bonus points if you start offering “financial advice” to others while wearing your latest “investment” pieces.

Or, go full entrepreneur and turn your spending into a “business.” Every time you buy something, declare it part of your new side hustle. That $500 blender? You’re starting a smoothie empire. Expensive candles? Now you’re a professional aromatherapy consultant. Your tax accountant might faint, but hey, who’s counting when you’re a visionary?

If you’re really committed, go the extreme route and never leave your house. No stores, no ads, no temptation. Order groceries through your neighbor’s account, turn off your Wi-Fi to avoid online shopping and live off the grid entirely. Sure, it’s a little lonely, but hey — you’ll save tons!

If you’re looking for a realistic solution, take a closer look at why you feel the urge to buy. Are you shopping out of boredom, stress or a need for instant gratification? 

Identifying the root cause can help you address the problem. You might also try creating a strict budget and sticking to it. Before making a purchase, ask yourself, “Do I truly need this, or can it wait?” 

Cutting back is hard, but your future self (and your bank account) will thank you.

 

Best of bad advice,

Amy