I don't have complete answers, so I only give out solutions that has worked for me: 1. I set up a goal to only have one meal eating out per week and I did it b

I don't have complete answers, so I only give out solutions that has worked for me: 1. I set up a goal to only have one meal eating out per week and I did it by keeping track of whether I go to a restaurant that day. I used uHabit, an open source ads free android app to help me do this. 2. I also keep a spreadsheet for a certain aspect of my life: electronics and crafting. Each time I buy something craft related, I entered the expense. I have an expense goal that I try to keep it under per month. These two strategies has allowed me to save me a lot of money and sometime I would go on for months without spending much money at all. Also, it is likely that your spending habit is an emotional problem, not a discipline issue. I think it may be prudent to talk to a mental health professional.