Tips for Building Healthy Spending Habits. Taking calculated, intentional actions to build wealth.
Categories FINANCE


What do you do when your paycheck lands in your hands (or bank account)? Do you take your family out to eat or get yourself a well-deserved treat? Are you the type that immediately transfers money over into a savings or investment account, or do you have that automatically set up through your employer? These are your spending habits.

Habits are actions we take without even really thinking about them, because a pattern has been established. When it comes to money, your habits should be intentional and purposeful, not something we leave to chance. Today, we start building healthy spending habits that will change the way you look at your finances and your life.

Tips for Building Healthy Spending Habits. Taking calculated, intentional actions to build wealth.

What Do You Like to Buy

When you received your paycheck last pay period, what did you do with it? How much did you spend on items you didn’t really need? Write down the amount, and take a look at it.

Now, think about what you really need this week? Could you have used the money you spent your last paycheck on for this week’s items, or maybe even next week’s? Maybe you have something going on next month. Could you have used the money then? You’re probably saying yes, and I know, because I’ve been there too many times.

Knowing what you buy and how much you spend on items is important, but it’s more important to be honest with yourself about what you really need and when you really need it. Only when you face these facts can you truly begin to build new and healthy habits.

Why Do you Buy

Years ago, I had a really horrible spending problem. I would always take my friends and family out to eat, buy them gifts, buy new items for myself, but I didn’t need any of it. I filled my bedroom, wall to wall, with clothes and shoes, and I ended up having to sleep in the living room due to lack of space. Why did I spend so much?

If you’ve read this post, you’ll know that I’ve struggled with mental illness – depression, social anxiety, PTSD, and all of that compounded with stress from my home life. I was a mess, and I was using money to try to solve my problems and fill in the holes. Of course, it didn’t work, because the only way to solve your problems is to face them.

Can you tell yourself why you buy? What is the reason for your spending on unnecessary items? Think about what other things you can do that will help you solve your problems and fulfill your needs.

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Start at the Roots

Habits are ridiculously hard to break. I’m not telling you it’s going to be easy, but I will say that it’s worth it. You’re going to need to get to the root of your habits. You know what you spend on and why you spend, and next, it’s time for you to take action.

If you don’t take the time to cut out and solve the problem, poor habits can easily fall back into your life. Spend some time assessing your situation and figure out ways to substitute spending money. Maybe you can take on a new hobby, make some new friends, try new workouts, create a healthy eating plan, or get more sleep. All of these things are good for you, and they’re free. Once you’ve taken out the old roots, get ready to plant new ones.

Building Healthy Spending Habits

Now that you’ve cleared the slate, you have room to start fresh. Write down your financial plans and goals (fill in the form below to get my free Financial Goals Planner). Be realistic, and be very specific. Create goals that you can and want to reach. Give yourself a timeline, and stick to your plan.

If you have to elect to have an amount automatically deposited into your savings every pay period, do it. Will an all-cash budget help? Do that. Can you write down everything you need for the month, and live off of that list? Try it. If things don’t work for you, change them around until you find a strategy that does work.

You may not find a solution that works right away, but you need to put your head on straight, and start trying. This is your financial well-being, and you deserve to enjoy your life. Start building healthy spending habits now, and you’ll thank yourself later.

Building healthy spending habits takes a lot of work, but it’s not something people ever regret. By creating healthy habits now, you’re setting a solid foundation for your financial future. You’ll get to where you want to be, but it’s up to you to start now and get there sooner rather than later.

If you found this post helpful, please share it with the social share icons below. Every little bit helps! Until next time, I wish you well!

Ashlynn Cueto

INFJ, Ravenclaw Blogger. Headquarters: Houston, TX. Making this my most creative and rewarding life. This blog is my hustle, and I'm here to help make your creativity yours.



  • Zara Lonsdale

    I am SO bad for spending and not saving which seeing as me and my boyfriend are saving for a place it isn’t fair! Need to be better with my money and your post has given me a nudge in the direction! Xx

    • Saving for a new place is always such an amazing journey. You can do it! Just focus on your goals, and you’ll get there. 🙂

  • These are great tips. I am rather bad at spending. I am always like “yeah it’s not that bad, I can send”. But I promised myself to start saving for nice holidays or eventually my own flat! xx Corinne

    • Thanks, Corinne. It’s the little things that build up. You’ve got the idea though – using motivations like holidays and a new home can really push you to budget better. Good luck!

  • Really great tips! Even thought I try not to spend lots of money and don’t buy lots of unnecessary things, sometimes I spend just extra money on that donut/extra cup of coffee/sweets. Mostly I spend this money on food and drinks, but I can just save so much money just not buying that. Going to try your planner! 🙂

    Kate x

    • Thank you, Kate! The little things add up so much. Try it out, and see how it helps you!

  • Lolita “Lolitambonita” Bonita

    This is so true, once you get into the habits it sooo much easier. I automatically put a percentage in savings, I budget my food and have nights in rather than nights out. I also never buy new clothes anymore. I reuse and upcycle. Also the Charity Shop is my best friend.
    Lola Mia //

    • Wow you’ve got it down! That’s awesome! It really is so much easier once you’ve been doing it for a while. It’s a nice routine to have!

  • Gemma | What Gemma Did

    I’m terrible for not saving money, and I’ve recently been in a position where I’ve had to ask a big loan from a family member to help me deal with a situation – not a nice position to be in. I definitely need to be more mindful of what I am spending on in the future, because I’ve not been great whether I need or ‘need’ something!

    Thanks for the post, it’s really got me thinking – I’ve downloaded the planner so I can use it to help me get out of my hole!

    Gemma xo

    • I know where you’re coming from, Gemma. I hope the planner is helpful and can at least help you get started on a new plan for your finances. Good luck!

  • Rachael Shortt (PaleGirlRambli

    I’m awful at saving! I really need to think about budgeting!
    Great tips!
    PaleGirlRambling xo

    • Thanks, Rachael! Glad you enjoyed.

  • Emily

    This was really helpful, especially for a student like. I’ve found it so much harder to try and save nowadays! xx

    • It’s hard now, where every company and person is pushing products at you. You just have to figure out how to not react to those temptations. It’ll be so worth it, though! Thanks for stopping by!

  • This is a great post! I definitely need to think about my spending habits as a college student who is going to graduate in two years, and as a blogger who is often investing in my online business. Thank you for this advice!

    • Oh, yes. Definitely start as soon as you can. Glad you found it helpful, Alyssa!

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