How you spend your money impacts your credit score and the amount of debt you end up carrying. If you’re struggling with money management, for example, you’re living paycheck to paycheck despite making more than enough money, here are some tips to improve your financial habits..How to Spend Money Wisely. Do you hate it when you really need money, but your wallet is empty? No matter how little or how much money .How to Manage Your Money Wisely. Managing your money can seem like an impossible task, but that is only because you haven t taken the time to start .Track Your Finances. Before you can start figuring out how to spend money more wisely, you first need to understand where your money is going. Make a budget .One of the ways to manage our money is by using budgets. These are official plans which indicate our income, expenses as well as our savings. A budget can .Our independent guide to managing your money, including practical information for beginners on how to set up a budget, organise your finances and save .Learning how to spend money wisely comes in three parts understanding your goals, reviewing your spending, and implementing strategies to spend wisely..Frugal living doesn t have to be a life devoid of fun. In fact, you might be surprised how easy it is to spend money wisely with some patience and .