When it comes to money, I’m almost Suze Orman good at using it. Note that you just read ‘using’ and not losing. Of course, it never used to be this way. I was once a dumb teenage mall employee making unnecessary purchases left and right. Who knew then that it wasn’t necessary to be buying 10 shades of the same thing? I certainly didn’t. Fortunately, over time, my spending habits have become more refined and I am less likely to make frivolous purchases.

Some of my habits that keep me from breaking the bank include:

1. Avoiding anywhere I’m more prone to be throwing down loads of money. Living in Southern California, Land of the Shopping Mall, this is a little hard. However, it’s worth it if you have to sit down and map out where you go to avoid shopping.

2. Saying this mantra: You don’t really need it! You might think it’s cute now, but in reality — cute stuff ALWAYS comes out.

3. Reinventing the things I currently have so I won’t desire anything else. That dress can really be worn three different ways. That eyeshadow shade changes when you pair it off with another shadow in your collection. Use more accessories — All it takes is a little creativity!

4. Keeping a list of financial goals and carrying it with me at all times. Fear and guilt (and fear of guilt) keeps me from over-spending, especially when I have a physical list on hand.

5. Shopping sales. Trust me on this — no one has ever called me anything less of a fashionista. I highly recommend Urban Outfitters and H&M for their sales!

What works for me won’t necessarily work for you. If you’ve got your own tips, do share!