Managing your money is critical to achieving your financial goals. If you’re spending more than you earn, you’re probably headed for trouble. To help you take control of your spending habits, we’ve compiled a list of the top 10 tips to help you stay on track.

Create a Budget:

One of the best ways to stop overspending is to create a budget. Track your income and expenses, then prioritize your spending accordingly. “A budget is telling your money where to go instead of wondering where it went,” says financial expert Dave Ramsey.

Visualize What You’re Saving For:

When you have a clear idea of what you’re saving for, it can be a powerful motivator to stay on track with your spending. Whether it’s a vacation, a new car, or a down payment on a house, visualizing your goals can help you resist the temptation to overspend.

Always Shop with a List:

Going to the store without a plan can lead to impulse purchases and overspending. Make a list of what you need and stick to it.

Nix the Brand Names:

Brand names often come with a higher price tag, but that doesn’t mean they’re better quality. Consider trying the store brand or a generic option for some of your staple purchases.

Master Meal Prep:

Eating out can be a major expense. By planning and preparing your meals ahead of time, you can save money and eat healthier too.

Consider Cash for In-store Shopping:

It can be easy to overspend with a credit card but using cash can help you stay on budget. “Using cash is like a spending speed bump that makes you think twice before making a purchase,” says financial expert Jean Chatzky.

Remove Temptation:

Identify your spending triggers and remove them from your life. Unsubscribe from marketing emails, avoid window shopping, and stay away from your favorite online shopping sites.

Hit “Pause”:

Before making a purchase, hit pause and ask yourself if you really need the item. Give yourself a cooling off period to ensure you’re making a wise decision.

Think Reusable:

Using reusable products, such as water bottles, grocery bags, and coffee cups, can save you money and help the environment.

Keep at It!:

Sticking to a new spending plan can be challenging, but it’s worth it in the end. “Small progress is still progress,” says financial expert Michelle Singletary. “Don’t give up just because you don’t see results overnight.”

By following these top 10 tips, you can take control of your spending habits and work towards your financial goals.

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