Buy what you need not what you want. Once a month treat yourself. 99ct store works great.

Secondly......learn to say NO. Borrow me 20.......NO. Can i borrow your car........NO. Can you help me with this..............NO. Can i borrow your lawn mower.....NO etc.

Try it for  a month. You will see how much easier your life becomes. It's not that hard. If people get upset with your new life style it doesn't say much about them.

Original Post

I think I can be good with the "buy what you need, now what you want".  It's tough for me to say "no" unless it's to the people always asking but never grateful.

It can be done!  When I purged my clothes closet I decided there's not a thing I need!  I'm seriously going to try and get through the year without buying any clothes.

The NO factor will reduce your stress 1,000 %. Common sense is the rule. 

Go to the greatest bank in the world for guidance that would be the one on your shoulders...........Mr Wayne

Don't love money - love people.  When you have enough clothes to look clean, pleasant, and appropriate [even when you need to do laundry], its time to stop buying clothes.  Practice: Gratitude. A thankful heart. Contentment. These things are in the Bible, but not practiced by many.  Go back to #1: Don't love money - love people. There are massive amounts of people who need our help.  Instead of treating yourself, treat them.  Instead of going out for a fancy meal, set the table nice, put a meal in the crockpot, and then find someone in need and spend the "fancy restaurant" money on groceries for them, instead.  Instead of a new outfit for yourself - find someone who needs a new pair of shoes, or a sweater, or a new outfit.  Take them shopping, and have fun together.  Or, instead of spoiling your children with too many toys, too many "I wants" - send in some new things to the Foster Care program near you for the children who are waiting a home.  Giving is so much more blessed than getting!

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