4. Show the bigger picture of their expenditures: Spenders live for the moment and not for tomorrow. They will never calculate how much they have spent. You can show how much of those small indulgences that they make will cost them in a year. The small lunch breaks that they take at expensive restaurants, buying clothes and shoes, treating friends and family to meals for two or three times in a week, etc. You can a make list of their spending and show it in print out reports of their yearly spending. This will give them a reality check and they might as well trim down on their spending. But making them realize this does not mean that you have stopped them completely from spending. You have to always find the middle path to keep the balance going. Discuss how they can still do what they like doing but in a disciplined and planned manner.