I like to spend time on here Instead of spending money. You'd be surprised how little stuff you need, and how you can simplify your life.

I suggest you sit down and put all the bills in front of you, first. What do you absolutely need to spend? The rest stops.

Can you return some things that you bought?

Then, some people stop carrying credit cards and only pay with cash. This helps them spend less.

Do you have the discipline to fix this?