Does this ever happen to you? You wake up one morning, login into your online banking and say "Where did my money go?! I spent how much at Target!?"
I am trying to get smart with my funds and stop the cycle of living beyond our means thanks to plastic. I have a few tips that might help you if you are in a similar situation.
I like to buy things on my phone. I like to buy apps, music, games, tv shows... it is addictive. I get pleasure from acquiring digital things. I have removed my card info from my wallet, but that just makes me sad... I can't have any apps or music now. To offset this, I got the google opinion rewards app from the play store. About 2 or 3 times a week I get a simple survey, I get from 21 cents to $1 in google play credit for each one I complete. This is nice because I have a little rainy day google play credit now to indulge my need for apps!
I am starting to meal plan. Knowing what is for dinner, when it needs to be started and what that dish takes at a glance is saving us so much time and money. I am not getting caught off guard by the question 'What's for dinner?' Anymore. I am not spending as much money on take out or fast food. This is wonderful.
I am determining how much money we have extra each week. That comes out of the bank in the form of cash. When it is gone, it is gone. There is no more spending money. This is HARD. It is so easy to say "Oh, well, here is the Visa...."
I am cutting back on impulse buys by sticking to a list. This is also hard. Especially when the kids are along!
Do you have any ideas for getting your spending back on track? If so, please share!