It's tough to just say no. Especially on the weekends when you have free time to cruise and spend money. Try this trusted trick: Break down your salary (after taxes) in terms of hourly compensation. When you're debating buying that $150 pair of shoes that you don't necessarily need, compare the price tag to the number of hours you worked to earn that sum. So, if you earn the equivalent of $30 an hour, ask yourself if it's worth five hours of work.