Very easy ,
Two things will amaze you and change ur life.
1- set a rule : always remember when ur about to spend ur money always know ur first rule. Is it important ?
2 - do I need it ?

Only spend ur money if both rules apply!
If you follow this secret life magic plan then your spending money wisely will Put the wise in your life and will make biggest change.
Anytime :) ur very welcome
Lmk if you need any further assistant.