Your spending values are the things which provide you with the most satisfaction when you spend money on them. By thinking about your spending values and writing them out, you may get a clearer picture of where your priorities lie, and thus learn to spend money more effectively.
Imagine you have a free $100 to spend or save today. What kind of things would you use it for? What types of things do you enjoy most? Would you spend the money on sports equipment or jewelry, a few books or a computer game? Or would you put it in the bank and save it for later? Make a list of your favorite types of things to buy. Your list might include things such as clothing, art supplies, or music.
Think about your spending priorities next time you get some money. Knowing the types of things you'd like to buy is the first step in constructing a working spending plan.