Bangalore: For people who do not have control on their finances and have no track of where their income disappears at the end of the month, budgeting is the solution to fix their finances. Because it is with budgeting they can track where their money has been spent and can put their money for better use. But most of the time people who have budgets often forget to add up a receipt here and a receipt there, which makes the whole budget unreliable. Budget is no the only tool that will help reduce your expenses and make you spend less. Unless you take the effort to spend less on a particular habit something you can do without a budget, your spending won't go down. Try these tips to lower your spending without starting a budget. Start From Scratch If you have been living a lavish lifestyle and realized that you are making no effort in saving your hard earned money, then it's time to put your impulsive buying habit on a hold. Consider to start things from the scratch. It is definitely going to be a challenging task for you. Opt for automatic payments for expenses that you truly cannot afford. If you take a closer look at your spending you will find that part of your spending is on things you don't really care about, and you can start reducing