{"id":1049,"date":"2021-02-26T15:48:43","date_gmt":"2021-02-26T15:48:43","guid":{"rendered":"https:\/\/www.lendnation.com\/4-bad-spending-habits-and-how-to-break-them\/"},"modified":"2025-08-14T16:18:49","modified_gmt":"2025-08-14T16:18:49","slug":"4-bad-spending-habits-and-how-to-break-them","status":"publish","type":"post","link":"https:\/\/www.lendnation.com\/blog\/article\/4-bad-spending-habits-and-how-to-break-them\/","title":{"rendered":"4 Bad Spending Habits and How to Break Them"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2021-02-26T15:48:43+00:00\">February, 2021<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">4 Bad Spending Habits and How to Break Them<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/financial-tips\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--teal\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Financial Tips<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"500\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2021\/02\/how-to-break-bad-spending-habits.jpg?w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2021\/02\/how-to-break-bad-spending-habits.jpg 1000w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2021\/02\/how-to-break-bad-spending-habits.jpg?resize=300,150 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2021\/02\/how-to-break-bad-spending-habits.jpg?resize=768,384 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-break-your-spending-habits-0\">How to Break Your Spending Habits<\/h2>\n\n\n\n<p>It\u2019s no secret that bad habits can be hard to break. This especially rings true when it comes to our money. Between recurring bills and day-to-day expenses, we can easily fall into spending routines and lose sight of where we <em>want<\/em> our money to go and where it\u2019s <em>actually<\/em> going.<\/p>\n\n\n\n<p>That\u2019s why we\u2019re breaking down some of the most common bad spending habits along with helpful hints to quit them for good.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-bad-habit-not-having-a-budget\">Bad Habit: Not Having a Budget<\/h3>\n\n\n\n<p>Not having a <a href=\"https:\/\/www.lendnation.com\/resources\/wiki\/budgeting\/\">budget<\/a> is the easiest way to overspend and develop bad spending habits. That\u2019s because you simply don\u2019t know how much you\u2019re spending. This can also prevent you from making progress towards or reaching important financial goals like building an emergency savings, paying off debt, or saving up for a big purchase like a house, car, or vacation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-solution-create-a-budget\">Solution: Create a Budget<\/h3>\n\n\n\n<p>Creating a budget is the best way to get on track financially. Financial experts recommend the <a href=\"https:\/\/www.nerdwallet.com\/blog\/finance\/nerdwallet-budget-calculator\/\" target=\"_blank\" rel=\"noopener\">50\/30\/20 rule<\/a>&nbsp;\u2014 meaning 50% of your earnings go towards necessities, 30% towards wants, and 20% towards debt and savings. You can also start by making a list of your recurring monthly expenses \u2014 things like your rent or mortgage, utilities, and phone bill \u2014 and subtracting that from your income.<\/p>\n\n\n\n<p>Once you determine what\u2019s leftover, you can decide how much you want to spend or save in other areas, like gas, groceries, entertainment, and more. If you\u2019re having trouble knowing where to start, consider finding a financial planner or testing out some budgeting apps.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-bad-habit-not-tracking-your-spending\">Bad Habit: Not Tracking Your Spending<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.ramseysolutions.com\/budgeting\/money-habits-we-need-to-break\">Not tracking your spending<\/a> goes hand-in-hand with not having a budget. It goes beyond the question of <em>how much <\/em>you\u2019re spending and addresses <em>where<\/em> you\u2019re spending your money. You may find that you\u2019re overspending in your \u2018necessities\u2019 or \u2018wants\u2019 categories and not putting enough towards your savings and debt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-solution-see-where-your-money-s-going\">Solution: See Where Your Money\u2019s Going<\/h3>\n\n\n\n<p>Try enlisting the help of apps like <a href=\"https:\/\/www.mint.com\/\" target=\"_blank\" rel=\"noopener\">Mint<\/a>&nbsp;or <a href=\"https:\/\/www.everydollar.com\/?ictid=9A36T4292&amp;_ga=2.94682076.1170245316.1570728819-1490729550.1570728803\" target=\"_blank\" rel=\"noopener\">Every Dollar<\/a>, which categorize your spending for you. Spend how you normally would for a week or two, then check to see the areas in which you\u2019re spending the most. You might be shocked at how much of your money is going towards things like daily coffees and frequent dinners out.<\/p>\n\n\n\n<p>From there, you can get a much clearer picture of <em>where<\/em> exactly your money is going and break your budget down into more specific categories. So, instead of having a general \u2018entertainment\u2019 budget, you could create subcategories like restaurants, coffee shops, and movies to better track (and limit) your spending.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-bad-habit-impulse-spending\">Bad Habit: Impulse Spending<\/h3>\n\n\n\n<p>We\u2019ve all been there before: We use the one-click-buy feature on Amazon a little too frequently or get swipe happy at the mall after a stressful day. And while it may feel great in the moment, it\u2019s usually followed by <a href=\"https:\/\/www.verywellmind.com\/difference-between-compulsive-and-impulsive-shopping-22336\">buyer\u2019s remorse<\/a> and frantically pulling up your bank statement to see how much damage was done.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-solution-determine-wants-vs-needs\">Solution: Determine Wants vs. Needs<\/h3>\n\n\n\n<p>As you <a href=\"https:\/\/www.consumerfinance.gov\/about-us\/blog\/budgeting-how-to-create-a-budget-and-stick-with-it\/\">start to budget<\/a> and track your spending, simultaneously work to build the mindset of wants vs. needs. That doesn\u2019t mean restricting yourself entirely; it simply means taking some extra time before buying anything to see if it\u2019s really worth it. For example, instead of asking, \u201cDo I <em>want<\/em> or do I <em>need<strong> <\/strong><\/em>these shoes,\u201d you can remind yourself that if you buy the shoes now, it may hinder your progress towards other goals in the future.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-bad-habit-too-much-swiping\">Bad Habit: Too Much Swiping<\/h3>\n\n\n\n<p>While credit and debit cards are extremely convenient, they can also prevent us from actually seeing how much we spend. Sure, we see the amount on our receipts and statements, but it doesn\u2019t have quite the same impact as physically seeing our money being spent and know exactly what it\u2019s going towards.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-solution-use-cash\">Solution: Use Cash<\/h3>\n\n\n\n<p>One of the easiest ways to see where your money is going is to literally see where it is going. When you physically hand over money, you actually see how quickly it goes away. That can also help instill the habit of evaluating your wants vs. needs and reminding yourself that saying \u2018no\u2019 in the moment can mean saying \u2018yes\u2019 to something else down the line.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-get-back-on-track-with-lendnation\">Get Back on Track with LendNation<\/h2>\n\n\n\n<p>Everyone is susceptible to bad spending habits, and it can be hard to get back on track. That\u2019s why LendNation is here to help. Whether you find yourself in an emergency without a backup plan or need cash fast, you can get help with an <a href=\"https:\/\/www.lendnation.com\/about-us\">online loan.<\/a> All it takes is filling out a quick <a href=\"https:\/\/www.lendnation.com\/MyAccount\/#!\/registration\">application online<\/a> or stopping by any one of our <a href=\"https:\/\/www.lendnation.com\/location\/search\">convenient locations<\/a> to get started. We have title loans, installment loans and payday loans for all your cash needs.<\/p>\n\n\n\n<p><strong>Resources: <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.verywellmind.com\/difference-between-compulsive-and-impulsive-shopping-22336 \">https:\/\/www.verywellmind.com\/difference-between-compulsive-and-impulsive-shopping-22336 <\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<h2 class=\"wp-block-heading has-display-small-font-size\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--50)\">Explore Related Posts<\/h2>\n\n\n\n<div 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style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-tertiary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.lendnation.com\/blog\/\">Visit Blog\n\t\t\t                                                                                                  Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>These are the common bad spending habits that drain your budget. Here\u2019s how building a budget can help you take control of your finances.<\/p>\n","protected":false},"author":18,"featured_media":1050,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[67],"tags":[77],"class_list":["post-1049","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-tips","tag-spending-habits"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>4 Bad Spending Habits and How to Break Them - LendNation<\/title>\n<meta name=\"description\" content=\"These are the common bad spending habits that drain your budget. 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