How to Stop Spending Money

Excuse #3: But I'm Getting That Raise/Bonus Soon

This is a sneakier and much more persuasive version of number two. In this excuse lies the promise of money that awaits you, whether a commission, bonus, raise or even a new job salary. It's certain, right? At least 90 percent, if not 99 percent. No, it's definite, or at least probably going to happen… The worst thing next to spending money you don't have is spending money you don't have yet. But in reality, it's the same thing. Life is unpredictable, and anything can happen. So don't pull any triggers until the money hits your account. Until it does, you simply don't have that money.