You see it, you want it, you buy it—and then comes that steady wave of regret. We’ve all been in this cycle at one point or another, and it doesn’t feel great. But if you’ve gotten into the habit of impulse spending—whether it’s on a regular basis or simply when you’re under stress—it can be difficult to save money and get ahead.

Saving money is one of those things that often sounds easier than it feels. On paper, all you need to do is spend less money than you earn—but in reality, there are bills to pay, unexpected expenses to cover, inflation to consider and a steadily rising cost of living