Keeeep a spending journal

Are you an emotional spender? Tallying up what you buy in a spending journal can retrain your ‘spur-of-the-moment’ spending, says Natasha. “You should also have a list of questions you ask yourself every time you buy something: do I need it, can I find it cheaper, and do I have something at home that’ll do the same job? If you want something, enforce a cooling-offff period. Chances are, you won’t want it in a week.”