One way to kick bad spending habits is to get a budget and stick to it. A budget can help identify what you are spending your money on and where you may be able to cut back. You must be diligent about following your spending plan and limiting buying things that you don’t need. One popular option is the 50/30/20 model, where you only spend 30% of your after-tax income on wants, with the rest going to needs (50%) and savings or debts (20%). You can also try the 30-day rule to help yourself make fewer unnecessary purchases.