3.* Imagine how many weeks the savings will allow you not to work. For this estimate, how much you need money for a year of life and divide the amount by 52. It will be the "week of freedom" that you effectively "buy" whenever possible to defer this amount.

2. Do not give up, and delay. Psychologically it is very difficult to completely change my lifestyle or give up, to which he has become accustomed. But if you just "postpone" the purchase of the desired is for most people much easier. For example, consider that the weekly trips to the movies "kill" the budget? Start going every two weeks and then once a month.

3. Ask yourself "slow down or I step on the gas". Some psychologists compare the achievement with driving. Every time you make a decision about, for example, any purchase, ask yourself — you now press on the gas (approaching target) or slow (far from it). It may sober up and stop from making impulse purchases.

4. Consider that when you do not earn money, you spend it. Calculate the cost of an hour of work and every time you decide instead to work overtime to go watch TV or sleep, ask yourself whether it's worth as much money as you decided not to earn. "To lose money" much more than just "not get it", even if technically it is in this case one and the same.

5. Use the "outsider test". Every time are going to buy, imagine that you are faced with a stranger who pulls you in one hand the desired purchase, and in another he has a purchase price in cash. What would you take? If it's money, it's almost a perfect signal that what you want to buy — not worth it and soon you will regret it.

6. Spend money on the place, where you spend your time. If you work a lot at the computer, spend the money on it and nice furniture for it. If you're driving in the car and in order to feel good. Work involves walking? Invest in shoes. This achieves a synergistic effect and you invest essentially in yourself that allows you to earn more. And you will begin to notice that often spend money on stuff (things that you don't use).

7. Try "term test", which is ideal when buying clothes. If you are going to buy new clothes, ask yourself, are you ready right now to put it on and go like this, just? If not, you don't need it and, what's more, you don't have it and want. Leave money in your wallet.

8. Too lazy to make an optional purchase. The longer you pull, the greater the chance that happens one of three things: a) you wait for good discounts