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The best piece of money advice you’ve never heard

If you want to spend less this year, do this: Build a wall.

That is, a virtual wall.

Experts say we often spend because it’s simple to spend — new clothes are just a click away, a latte is right on our way to work, a subscription can be had simply by entering an email address and promising to pay later. “We are so used to having things easily accessible to us,” and this plays a role in our overspending, says Rosemary Caligiuri, the managing director of United Capital in Pennsylvania, a wealth management company.

“We need to give ourselves less easy access to spending money.

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