Money is not easy to get and this is the same reason why you dont have to spend the one you make anyhow.

There are things you really need to consider before you go spending money. Here are some questions you need to consider before spending your money on a product or a service

1. Do you really need it?

Don't make financial choices you might regret

Before you spend money to buy a product or service, it's important you ask yourself if you really need the product or service. Can you do without it? If you can do without it, then you don't need it. Keep your money. It'll be useful for something else.

2. Are you getting value for your money?

It is not financially wise to spend your money on anything that won't give you any economic value.

Spending your hard earned money on an item of no good quality is as good as losing the money. So, be sure you whatever you spend your money on is of good quality.

3. Can you afford it?

Spending problem can seriously affect your personal finance.

Ask yourself if you can afford what you are about to spend money on.  Would it affect your finance negatively if you get it? What is the opportunity cost of the item?

4. Is there an alternative option?

Ask yourself if there are other alternative options for what you want to get. Find out if the alternative is cheaper than the one you have in mind. Just open your mind to other possible ways of getting what you want.