This is optimal finance daily episode 1139 how to budget when you're a

spender by kimico of the budget mom.com and I'm Dan I'm your host and this is where I read to you from some of the best blogs on personal finance every single day, including weekends and holidays.

And we actually have five shows where we do that same format, but covering all different topics. So if you want to learn more, search

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podcasts. For now, let's get right to our post from Camico as we continue optimizing your life.

How to Budget When You Are a Spender by comico of the budget mom.com.

I can honestly say I was a complete out-of-control total die-hard spender before I came to my senses.

I don't think we're just born with a natural like instinct to go out and spend,

but I think it's something that develops over time. It's something that is

instilled in us by years of bad habits, constant credit card swipes, and unnecessary

desires.

Throughout my financial journey that started back in 2011, I have experienced two important

things.

When I realized my debt was unmanageable, I did what most people do to try to save money.

I looked for every great deal, constantly checking the clearance racks to get my next spending fix.

I was saving money, wasn't I? I wasn't spending full price on a shirt

and I was getting shoes on sale. It all sounds great, right? Now that I am five years into my

financial journey I realized that there are two types of

spenders. Spenders who don't care about spending $80 on a t-shirt and frugal

spenders. I transition from an out-of-control spender to a frugal spender.

By becoming this, I was more aware of the money I was spending,

and I did make an effort to not pay full price for things.

...