Solid points you got there mate! Very helpful.
I had issues with spending too but after I read some books that made me understand how bad spending habits could ruin one financially , I just had to improve my management skills to curtail the habit.
RE: How to develop good spending habits | Factors that influence Spending.
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How to develop good spending habits | Factors that influence Spending.
Literally some friends of mine had exactly the same issue. But then I realised it was literally a pain in the ass for them and for me. Not until we devised some means to help us out though it was a bit stressing adjusting to the new habits. @geniusvis, hope this will help you also for where you were not certain. Thanks for your thoughtful comment.
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