If you're stuck in a cycle of overspending, here's how to find your way out.
Build a better budget. A complicated budget isn't necessarily more effective. A weekly credit card spending limit can be enough to control your cash flow. If you want to get fancy, create a 50/30/20 budget, where 50 percent of your take-home pay goes to needs, 30 percent goes to wants and 20 percent goes to saving or paying off debt.
Read your credit card statements. "Look over these last three months and see if you can find a pattern to this overspending," Klontz says. Then he recommends making purchases with cash or a debit card. That makes the financial impact more immediate.
Try a temporary spending freeze. If you need to reset your shopping habits, swear off spending on nonessential items for a time — even just a week. These days, Soukup and her husband implement regular, monthlong spending freezes. "We'd mostly eat from our freezer and pantry when possible, only buy the bare minimum of groceries, no other extraneous things," Soukup says.
Replace your old habits with new ones. Instead of getting takeout regularly, make cooking part of your evening routine. Next time your friends want to go to the movies, invite them over for a potluck and stream a show at your place. By replacing your spending habits with saving habits, you'll reach your big-picture financial goals sooner.
Like this story? Like CNBC Make It on Facebook!
Don't miss: This couple turned an obsession with credit card points into a multimillion-dollar business
This article originally appeared on NerdWallet.