This is my number one tip for good reason. Many people overspend or buy things they don’t want, don’t need and never end up using because they haven’t prepared properly. This is your hard earned cash and precious time you are spending – it’s worth a few minutes of preparation, don’t you think? Sure it is (and remember, you’re worth it!). So, before you set off on your shopping trip, prepare. Review what you already have – in your closet, cupboards, home or garage, then write a list of the ‘gaps’ you have and the needs this item will fill. Make sure they are genuine needs – not frivolous wants (there’s a big difference between the two). And finally, remember to use that list when you shop! That list will be no good scrumpled up on the bottom of your bag or jammed into your pocket. Use it and only buy things that are on that list!