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If you want to buy more than just necessary items, you may feel that you have to resort to borrowing money. This can be a really expensive way to go about things though and there are other things that you can do to help.

It is wise to try to save up the money to pay for the things that you need, rather than buying it and wondering how you will manage afterwards. It may feel though, that if you wait, then it will take a long time to get luxury items or that you will never get any. However, there are lots of ways that you may be able to cut your spending so that you can save up more quickly.

It is wise to work out exactly how much you pay out for your necessities. These are mortgage/rent, utilities, food, taxes, transport for work and things like this. Then consider what you pay you for luxuries such as phone, television, broadband, clothing, going out and things like this. It is worth looking at each thing individually and seeing whether there is a way to cut down on each one. Taxes are hard to reduce but you may be able to swap utility company, go to a cheaper supermarket, go out less often, make do with clothing you have, have a cheaper phone contract etc. Look at every expense and you may find that you could reduce the cost of each one by making a few changes. Some may not even make any difference to your lifestyle.

It is important to set a budget and work out how much money you want to save so that you can afford those extra luxuries that you want. It can seem a bit boring but once you work it out and get used to sticking to it, it will be easier for you. You will need to think when you buy items, whether they are something that you need and if not, whether they are something that you really want, considering other things that you want as well. It takes a bit of remembering and some effort in choosing but it does get easier.

Of course, rather than spending less, you may decide that you would rather earn more and not have to change the way that you are spending. This could come about if you change your job and get one that is better paid, work longer hours, find a second job or do other things to bring in some extra money that will help you to be able to afford more of the things that you want. If you are creative you will probably be able to find things online that will help you to get ideas, perhaps ways to save money as well as ways to earn money that could help you. You may even be able to do online work to help. You do have to declare these extra earnings and therefore pay tax on them, but they could still add up to making a big difference to your income and allowing you to have more money to spend on the things that you like.