Another Tip to Curb Your Spending! Calculate how much you make by the hour. That way, when you're out shopping and see a pair of shoes you want, ask yourself how many hours will I need to work to pay for them. For example, if your hourly rate is $15, and you see a pair of shoes for $120, that pair of shoes will cost you eight hours of work. If that’s worth it to you, you can buy them. If not, move on. You made a good financial decision.