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How to Quit Your Spending Addiction in 5 Simple Steps

How to Quit Your Spending Addiction in 5 Simple Steps

We all want to save more and spend less – but that can be tough when it’s so easy to use your money. These days, there are countless pieces of technology out there that make it simpler than ever to spend without even realizing how much cash you’re wasting. Signing up to monthly subscriptions takes a matter of minutes, and you can confirm a purchase with a tap on your smartphone screen.

So, in a world where it’s incredibly easy to form an addiction for your spending habits, how do you change your financial health for the better? Here are some simple tips to help you reduce costs and prepare for the future.

1. Plan Your Budget and Set Savings Goals

There are few things more important when it comes to making sure that you stick to your budget plans, than having a strategy in place. Your budget is a great way to give yourself an insight into where you’re overspending, and where you can cut back to improve your savings. Just remember that you’ll need to keep track of the money you spend to keep your budget as accurate as possible. Write down, or record everything you buy, from a morning newspaper to a fresh cup of coffee.

Additionally, while you’re setting up your budget, make sure that you have an overarching goal in place to keep you motivated when the going gets tough. Sometimes it’s harder to control your spending than you might think, a few simple goals could help to keep you inspired.

2. Stop Eating Out

As tempting as it can be to simply grab some fast food for dinner after a long day at work or buy a sandwich from the canteen for your lunch, you can save a serious amount of money simply by using the food you buy from the grocery store. Think about how you can plan to pack your lunches for work all week, and stock up on the ingredients you’ll need in advance.

Work with your family to come up with a list of meals that you’ll want to eat in the week ahead. If it helps, try choosing a theme for certain days, like make your own pizza day on Fridays, or taco Tuesday. Alternatively, you can look into trying out new recipes with ingredients you know everyone enjoys.

3. Choose the right Credit cards

Credit cards can be a huge problem when you’re trying to save more and spend less if you haven’t selected the right one based on your own needs. Taking advantage of rewards offered is one of the most effective ways of making the most of your Credit card. You can find out more at NovaCredit.com
on the perks offered by American Express. It’s easy to over-spend when you don’t have to see any cash going out of your wallet or bank account. The best thing you can do to make sure that you stay on track towards your goals, is to get rid of the credit cards and replace them with cold hard cash instead.

Figure out exactly how much money you’re going to need when you go shopping, and only take that cash amount with you. That way, you can ensure that you don’t spend any more than you planned to. If you see something extra that you want to buy, you’ll have to go back home for your card, and that will give you time to think about whether you really need the extra item. When it comes to paying off your credit cards, you may be shocked to see the rate of interest you’ll be paying so, to avoid shock, use a credit card interest calculator so that you know in advance how much you can expect to pay.

4. Don’t Underestimate Little Savings

When you’ve got big goals for your money, it’s easy to overlook the little savings that you can accomplish simply by giving up your morning coffee or switching your electricity or gas supplier. Many people struggle with their budget because they’re looking for big ways to make a difference all at once. However, the truth is that the best results come from the smallest changes.

When money is tight, every little saving opportunity you can find will make an impact. Whether that means cutting out coupons from your local newspaper or shopping online so you can avoid paying for petrol. By setting up an account with a credit union, like http://northcoastcu.com/ for example, you can create a separate account for your savings. That way, you can make sure to keep the money that you’ve budgeted and the money that you’re saving separate from each other. This is often an effective technique, if you know the money is in your savings account, you’ll be less likely to spend it, hopefully!

5. Know the True Cost of Everything

Finally, whenever you’re considering making a purchase that’s not on your monthly list of essential expenses, take the time to think carefully about the “true cost” you’re agreeing to take on. A good way to do this is to calculate how many hours you’d have to work to earn the money to pay for whatever you want to buy. For instance, if you were lucky enough to make $20 an hour, and you wanted to spend $80 on a meal, you might not feel too bad about using those four hours of work.

On the other hand, if you’re only earning $10 an hour, then $80 on one meal converts to a whole day at work instead.

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Creative Kids Cultural Ideas and Activities

I am happy to share some of my thoughts as a guest blogger on cultural activities ideas for kids and the importance of multicultural games for our children. From learning about different cultures music, various foods, new languages, national sports and loads more. This really is a fun and important activity for the children to learn. Learning something culturally different has never been more important. Learning to appreciate cultural diversity is a gift to your child that they will take with them through life and reap the benefits.

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However, let’s be frank, teaching children about cultural diversity is daunting and it’s not surprising. There are so many different countries to think about, cultural norms to respect and each of those has its own style of expression within each, so yes, it can be hard just to get started, but hopefully by sharing a few easy-to-do cultural games/activities this will be a great place to start with your kids.

Why is it important to teach multicultural activities?

There is growing complexity in the world we live in and the once well-defined boundaries are now coming down, due to the ever-increasing interconnectedness of the world we live in. Therefore, equipping children with the right tools to be able to question racial slurs and national rhetoric, which is all too common all over the world is crucial for us as a whole.

 

Multicultural Games and Activities for Kids

There are fun games and cultural crafts for kids to explore which help make learning a joy. From great books exploring other countries and what makes them special to learning how to meet and greet in a different language. There are some great simple ways to get children learning while exploring creative ways to learn about the world.

Introduce kids to music from another country 

Listening to music is part of most family’s daily routines whether in the car or at home doing some house work, but when is the last time you played some music from Botswana? Or how about the Aborigine didgeridoo? Well, this simple activity is a great way to learn and share about a new sound, talk about the people and some of their cultural norms.

Eat out and get the kids trying new food from another country

We all love to eat out and kids are no different. Take the whole family to a new restaurant and try some new cuisine.

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Books that teach kids about other Countries

There are some amazing books that help children to learn about other countries and contain interesting facts about the spoken language. These explore simple ideas like: what does money look like, facts about the places and what do people from that country typically look like.

Cultural crafts for kids

By exploring racial differences through arts and crafts can be a good way of sharing the concept in a hands-on-approach. Drawing activities and making your own people with cut-out carboard can be an excellent way of showing preschoolers that we are all cut from the same cloth.

Learn the world map

The world is a big place, but with a print out of the word and some colouring pens this can be a great way to ensure they know the difference between each country.

Make a recipe for another country

Show your children how to make food is always a good idea. One fun idea is to make each dish something unique from a different country – Pizza from Italy went down well with my kids!

Listen to YouTube and hear people speaking different languages

This is a really easy activity to do with the kids and something that can be filled with laughs. I would always recommend try to pick a few good videos before go randomly selecting, but with a children filter on it’s fine.

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Conclusion

Whether multicultural activities for preschoolers or cultural crafts for older kids – there is something out there to begin exploring with your children the diversity of the world!

 

Reference:

10 Cultural Diversity Activities For Elementary Students

The Importance of Teaching Multiculturalism & Diversity

https://familymaven.io/kidsactivities/kidsactivities/14-fun-multicultural-education-activities-vzhjYA0r402Q3OsaCcVAUg

https://www.gov.uk/government/publications/cultural-education

 

About the Author

Matt Morrisey is a former teacher who has travelled all over the world teaching children English, from China to the UK Matt is well known. Matt’s parents are teachers and his only brother works for a children’s charity in UK.

Matt currently is a contributor at STAR WALK KIDS and loves to write about new tech toys, outdoor games for kids, parenting hacks and fun future facts for kids that range from national geographic topics to gaming at home. He loves techy drones and can’t wait until he opens his window to allow a drone to enter with an Amazon package. Not long now.

His work has been read by readers all over the world and features on blogs and websites all over the world. Matt recently decided to go back to university to do his PhD where he looks to continue his career.