Spending money is easy – you see something you like, and you buy it. Frivolous spending on a regular basis can land you in debt. Avoid months or years of paying off debt from irresponsible spending. When the urge to shop or acquire something new pops up, put your energy towards doing something productive as an alternative to spending money. Here are some suggestions to get you started:

Create new food combinations. Being on a budget doesn’t mean you can’t eat hearty and delicious meals. Have some fun by experimenting with ingredients you already have in the pantry and refrigerator.

Forget just sticking to a budget; make some money by clearing out your garage and putting items up for sale. Add the profits to your Kaiku card and treat yourself with the funds!

When the urge to shop arises, take a walk to clear your mind and people-watch. Work out at home or head to the gym for a more intense session.

Working Out | KAIKU

Plant an herb garden. While this idea may require the purchase of seeds and soil, it’s an investment that will save you money in the future. You’ll be able to use freshly grown herbs to enhance the flavors of your food. When you feel tempted to shop, stop yourself by tending to the plants.

If you want to purchase new home décor items, start by rearranging your furniture. It’s surprising how different a room can look when a few items are moved to different positions. Once you are finished, you may not feel the need to add new items to the space.

Do something you’ve been meaning to do but keep putting off – like washing your car. Washing it yourself can save up to $20, and the more you take care of a vehicle, the less trouble it will give you. While you’re at it, check the fluid levels and refill as needed.

Get rid of clutter in your closet. Go through your wardrobe and set aside unwanted items. You can give these items to a younger family member or even donate them to a nearby charity.

Create or refine your bucket list. Make a cup of tea or coffee and sit near a window to relax in some natural light. Research the places you want to go, things you want to do, and goals you would like to accomplish. Then set a timeline for each goal and brainstorm ways to get there.