What Are Spending Habits?

5 Simple Changes You Can Make To Your Spending Habits

Hey All 💛

Have you ever discovered that after spending some amount of money, you'll either feel regret or worse, want to spend for more?

Do you want to apprehend this situation and know how to change your spending habits so you can manage your bad spending habits?

Let's learn how to save more money by changing your spending habits and by acknowledging the kind of spending habits you have that are significantly affecting your finances in life. The good and the bad ones.

Understanding What Are Spending Habits Defines?

Spending Habits are described as an obtained behavior pattern regularly followed until it has become almost involuntary.

This means that Spending Habits is something you can't avoid doing because it has become a necessary part of you without you realizing it.

Our habits are developed due to the situations around our lives as we are generally influenced by our immediate environment around us.

What Are Spending Habits?

What Are The Factors That Impact Most People On Their Spending Habits?

The closest factors would possibly be from your parents/family/relatives or friends. Others would be from media, lifestyle, life experiences, income, and so on.

Good Spending Habits will impact your life positively and vice versa.

On account of this, how can you change your 
spending habits to good Spending Habits? Here are 5 tips I've chosen to share with you today!

Read also: Simple Home Loan Guide


Have a budget for your finances. Creating a limit on your funds helps you plan more meticulous expenses and comprehend how much you'll be spending on items for the month and so on. This will assist you in managing your finances and allocating money only to essential things you need.

Make sure you commit and be strict on your budget plan. 


Another effective step is to improve your Spending Habits. When you set certain goals and you are serious about attaining them, you'll be more thrifty and mindful with your spending.

Write down your aims/objectives by using a journal or financial app that can assist you to jot down all your financial expenditures. As a result, you'll be more prudent in your finances.


If you want to be successful in changing your Spending Habits, you need to identify what's triggering your spending and how to resist it. Either it's from a person who always influences and asks you to shop with them, social media such as live streaming or e-commerce platforms, TV advertisement, your environment, or your lavish lifestyle.

Thus by this, you will be conclusively identifying and managing to eliminate the temptations by giving you more opportunities to spend less and save more.

Read Also: Common Regrets Home Buyers Have


Realizing and identifying how your current Spending Habits make you feel and be voluntarily ready to change to be a better spender. 

Have you ever felt regret after you've overspent or done an impulsive buying spree? 

After recognizing your bad Spending Habits and how it's affecting you negatively and making you feel awful about yourself, it is unquestionably time for a change. You should feel happy with your purchase rather than the opposite feel. 

True, bad habits are kinda hard to break free but your willingness to improve and put certain measures in place to hinder your bad habits. Hence, being acknowledgeable of your character will make you spontaneously change too.


Comprehending what is important to you would further impact how you spend your money. Knowing what you categorize as 'needs' and 'wants' in spending. 

You NEED the essentials such as groceries, toiletries, utilities, and so on. While WANT is mostly the things you desire like clothing, gadgets, handbags etcetera. 

It is vital to go for what you need before considering what you want. Putting your needs down in order of importance to you is a method of identifying your priorities.

What Are Spending Habits?


Remember to apply these pointers to encourage you to change your Spending Habits. When you put Good Spending Habits into action, you're indirectly increasing your income by making big saving decisions to let your money grow.

Bad Spending Habits could lead you to acquire unnecessary debts, thus making it difficult for you to achieve a life of financial independence.

Take control of your spending, know your limits, and never fall into debt. If you do, don't be hard on yourself. There are always ways to manage and get through it. Worry not, you can learn more about how to get out of debt HERE

Change your lifestyle. Make smart choices. Keep in mind, that changing habits takes time, discipline, practice, and perseverance. Don't feel distressed if you find yourself falling back into your old habits.

Just keep attempting and discover the right support system to help you accomplish your goals.

In final words, spending money solely on the things that are very important to you and spending less on something you don't need will surely change your Spending Habits. Slowly but surely. Good Luck!!

 Well, that's all for now! Thanks for reading my blog !! I hope you've enjoyed it!

Have a wonderful day and always be happy!! 


Love and rise up, 


 Be nice, Be respectful and Be responsible.

Zazasters a.k.a MamaMonsta👻

#spendinghabits #changeyourhabits #knowyourlimits #saveyourmoney #contentwriter #malaysianlifestylebloggers #KLblogger #zazaazman8com

*Disclaimer - Original photo was taken from Google Images. Credit to its owner.
Edited version done by Zaza Azman