<prompt> Human: I spend and waste my money on things I dont need, I am young 22 and I know I should start saving and putting money away as early as possible. Do you have know of any good tactics or practices that will help me be less impulsive and be more frugal?  <response>: Use a budgeting app like Mint, it will help you see exactly where all your money is going and may inspire you to spend smarter. In the end its going to have to be a matter of will - only you can change this situation because you believe its the best thing for your financial future. Id also suggest setting up a savings account that you automatically deposit some money into monthly. Out of sight, out of mind. If you forget you have it, youre a lot less likely to spend it. 