You must made it through Christmas and loaded your carts full of presents. Some may have emptied their bank accounts, some maxed out their credit cards and others feel almost no pain. With 2015 almost behind you and some time off with friends and family it is time to think about what is most important to you so that you can budget for the future in 2016.
Buying is behavior based in how we see ourselves and what we want. Even though some of our buying is for necessity it is often emotionally driven and often leads us to overspend. The only way to really control your spending and save money for future investment means understanding yourself.
Once you understand what drives you and your spending habits you can control your behavior. First look at your spending patterns to understand whether or not you want prestige, pleasure, dinning, etc... It may take some time unless you have kept track of your spending in a way that will allow you to realize what you are spending on.
Where you are wasting the most money, or not getting the best bang for your buck, you should consider making changing. For example, if you are spending most of your money on eating out try and get into the habit of cooking or finding great deals. Use your past to gauge how well you are doing and save the rest of the money.