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One common resolution involves reducing unnecessary expenditures, especially in categories like personal care and clothing. A recommended approach starts with meticulous expense tracking. By understanding exactly how much is spent monthly in specific areas—say, $1,000 on clothing and skincare—individuals can define precise reduction targets. For instance, aiming to cut $300 from that budget provides a manageable initial goal.

To achieve such reduction, several tips can be employed:

• Limit access to shopping temptations: Keep credit cards at home or remove shopping apps from smartphones to prevent impulsive purchases.

• Unlink payment methods: Avoid saving credit card details within mobile shopping apps to add an extra layer of friction to spontaneous buying.