woman overspending money

How to Not Spend Money When You Overspend Often

Are you wondering how to not spend money? You don’t have to worry anymore.

1. Understand Your Triggers

Most of the time, learning how to not spend money requires you to understand the triggers that cause you to part with your cash. Once you have identified them, they become easier to eradicate and you'll notice an immediate positive impact on your bank account.

Everyone is different so your triggers won't be the same as your friend's triggers. However, they tend to be one (or more) of the following:

Your Mood

Retail therapy is real. When you're feeling low or anxious, shopping might be a way to calm you down and feel better. If you can swap this money-spending habit for something free like exercise, you're good to go.

The trick is to accurately identify the moods that make you partake in impulse buying.

Group Settings

If you overspend when you're with your friends, it's absolutely okay to decline their invites. Even your closest friends can cause you to spend more than practicable so try to get out of these situations if you can.

Of course, you don't have to just say "no" and not see them. Try suggesting budget-friendly plans instead like hiking or coffee. While you might spend $5 on a Starbucks here, you won't be shelling out for a meal.


Shopping malls, holidays, and markets end to make even the most money-conscious people splurge and impulse shop. A good way to get around this is to simply not go or only take $5 or $10 with you.

Time of Day

If there is a time of your day when you are less anxious or are in higher spirits, shop at these times. You'll be less likely to feed into emotional spending triggers this way.

Your Lifestyle

For those of you who have come into money troubles overnight (seemingly), it can be hard to give up a certain way of life. However, you might not have a choice so switching up the lifestyle you're accustomed to is key to learning how to not spend money.

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2. Buy with Cash, Not Credit

Granted, it's much easier to pay with your credit card. However, this is a sure-fire way to lead to overspending when you're out and about.

So, stick to cash. This way you can see how much you have and how much that wad is diminishing by each time you buy something. There is a whole community on YouTube dedicated to the cash-buying and budgeting side of life. A quick "budgeting enveloping stuffing" search will bring up hundreds of videos.

3. Set Money Goals

It's easier to stay motivated when you have a short-term financial goal. Whether you want to save for a new TV or a vacation or a home remodel, setting these goals will help you stick to your how to not spend money plan.

4. Assign Every Dollar a Purpose

Zero your accounts. This doesn't mean that you need to spend everything. It just means that you should budget every dollar to avoid having any "loose change" that can cause you to overspend.

In a Pinch? A Title Loan in New Mexico Can Help

If you are used to overspending and you're now trying to input the tips in our "how to not spend money" section, it's likely that you don't have much of an emergency fund right now. And that's okay! There are plenty of financial solutions out there that can fund your unforeseen circumstance and help you get back on your feet. Title loans happen to be one of the best.

What Is A Title Loan in New Mexico?

A title loan is a short-term loan that allows you to borrow a lump sum of money depending on the value of your vehicle. They are designed to be used only in emergencies and aren't for sorting out longer-term financial woes.

The process is quick and easy. Plus, you don't need to have a perfect credit score to apply. We believe that you shouldn't be penalized for past monetary mistakes. So, just follow this step-by-step guide and you'll be well on your way to getting a title loan in New Mexico.

How to Get A Title Loan Online in New Mexico

    1. Go to NewMexicoTitleLoansInc.com and click online title loans.
    2. Fill in the relevant online request form.
    3. Answer the phone when a loan representative from your closest New Mexico Title Loans Inc storefront calls you. They'll go over the process.
    4. Take your vehicle, driver's license, and lien-free vehicle title to your closest location.
    5. Wait while one of our loan representatives evaluates your vehicle and paperwork.
    6. If you are approved, you will leave with your cash and your vehicle. This process takes as little as half an hour!

Get a Title Loan in New Mexico For Emergencies

You now know exactly how to not spend money! But if you're in a pinch during the process, you can always count on a title loan in New Mexico. We hope this helped you learn your limit!

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Louis Tully

Louis Tully is a full-time finance writer offering financial expertise to everyday consumers. He understands the core values of finance and used his writing talents to share his own experiences with money to his readers. His articles teach how financial failures can easily become successes by making new habits and creating realistic goals.

New Mexico Title Loans

If you are searching for a convenient way to get a title loan, look no further than New Mexico Title Loans, Inc. We offer online title loans where not store visit is required or in-store title loans and installment loans. To get started, fill out the simple online form above or give us a call at any one of our convenient store locations.

All you need is the following items:

  • Driver’s License or State Issued I.D.
  • Lien-Free Title to Your Vehicle
  • Your Vehicle for Inspection

When you’re ready to get the emergency cash you need without all the hassles of a traditional loan, New Mexico Title Loans, Inc. has you covered with a car title loan up to $10,000 today.

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