Money expert shares the three simple questions you need to ask before EVERY purchase to help cut costs

HAVE you ever held a pair of shoes or a new gadget wondering if you REALLY need it or you just want to spend your money mindlessly?

Well, a financial expert shared the three simple questions she asks herself every time before she purchases something.

In a TikTok video, financial expert Tori Dunlap revealed how she stopped her mindless spending and saved up enough money to be able to retire in her mid-20s.

"I don't need you to stop spending money, I need you to stop spending money on things that you don't care about," she began.

"Money is meant to be saved, yes, but it's also meant to be spent – I don't want you depriving yourself of the things that bring you joy.

"So how do you stop spending on things that don't bring you joy?"


Dunlap suggested using an app that helps you track your spending habits and see where your money is actually going.


These are going to be the three categories that you will spend money on depending on what brings you joy.

This can be anything from travel, eating out, going to the movies or the theater, or books.


Dunlap suggested going through your spending records every month to see what you're spending money on – are you actually spending money on the three value categories or are you just spending money for the sake of it?

"It's your hard-earned money so I want you to spend it on things you actually like," she said.

"You can reach your financial goals while buying coffee. They're not mutually exclusive."

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