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First of all, we should develop the habit of keeping accounts. Many friends have such good habits. They will make a detailed record of their expenses every day, look at them every time, and summarize which money must be spent and which is wasted, so that they can make a budget for themselves.

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Secondly, it is best to make a corresponding expenditure plan for yourself every once in a while, and make a corresponding budget for those who have no plan under special circumstances. For example, how much money a person earns and what is the upper limit of consumption, and consumption within this range will not be too wasteful.

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For those friends who spend most of their money on dressing up, especially those who keep buying when the seasons change, they need to make a whole of their clothes and put away the categories they can wear, so that they will find that they have a lot of clothes and don't need to buy them at all, which will reduce some expenses.

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For some friends who often go out to eat, you can make a rule for yourself. For example, you can only eat out several times a month, and how much you spend each time, you should strictly follow your own guidelines, which is also a good way to curb extravagance and waste.

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Many friends actually spend a lot of money on various social activities every month. Although social activities are very important to a person's interpersonal relationship, not all social activities are meaningful. Learn to be exclusive and make an objective evaluation of the most important things. Do you want to participate in meaningless social activities?

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For friends with good living habits, you can manage their income regularly, so there is no way to waste so much money on your card. After all, it is also a bad habit to lend money to others often. Everyone has his own way of spending money. Only by distinguishing the importance can we better control our wasteful spending.