If you're like most people, you find that saving money is harder than spending it — especially when impulse purchases are just a mouse-click away.
To help you save money, financial planners recommend following some sort of a budget, like one that follows the 50-30-20 rule.
For that reason, "avoid the one-click option 100% of the time," suggests Brenna Baucum, a CFP in Oregon.
Think of purchases in hours worked, not dollars spentAnother mental trick is to think of purchases in terms of hours worked, rather than dollars spent.
It involves withdrawing all of your spending money as cash every month and dividing it into envelopes dedicated to different budgeted expenses, like groceries, gas or rent.