Before I buy anything or put anything in my cart or hands I ask myself ’ look Jess do you really need this or is this a want?’ If its a want then I won’t buy it. Or only use the money you have in your wallet not the card.
Use cash whenever possible, make and stick to a list at stores. Coupons and buy what’s on sale but only if you truly need it. It’s hard but give yourself a goal. A vacation, new outfit or something you can not afford right now. See how much you can save each week. If you’re married or living with a partner, get them on board too. Hard but totally worth it it.
Ask yourself before you buy anything is this a want or a need. If it’s a want skip it force yourself to skip it.
Someone told me many, many years ago that if you want to buy something, wait three days. Most of the time, I have forgotten about it altogether and probably never think about it again. If I haven’t forgotten it, do I really have the money for that, do I have the space for that, do I have enough of those, will I like it as much next week? By next week we will have wondered why we were so enamored with it. That really does work.
Only use cash. Seeing the money makes you think
I used to be the same way and finally I came up with a plan that worked for me. I went from payday to payday and spent as little as possible on food, gas anything controllable. When I got paid again, whatever amount of money I had left from the previous paycheck got split, half into my savings account and half to treat myself for having money leftover. After a while I developed the habit of being frugal tp the point that I don’t even think about just blowing money because I have it any more.
I pay all bills annually not on auto pay. I save thru the year for 13 months of services and write the checks on January 1 st for everything. Grow our produce on our 1/4 acre vegetable garden, shop in 3 month intervals for all meats, chickens, fish and dry goods. I could literally stay in my home for 4 months with my family and not need anything but milk ( as I don’t have a cow) but raise chickens. It’s a lifestyle that you create. Going to the stores makes for unwanted purchases. Fast food is a draw that is hard to break so meal plan for those lazy days you don’t want to cook. Freeze and can as much as reasonable. Good luck
A few years ago about this time i decided that in January i would not go anywhere or spend any money on Sunday…but i did say if it involved family i would and i have done this ever since…its a small start…food is a necessity but try not shopping when hungry that way you wont binge buy or buy snack foods…clothing is where i fail but this coming year it will be a need or want decision…good luck
Right absolutely everything you spend down, make a budget, use cash as much as possible. I personally used the envelope budget when I was younger now I don’t have to use envelopes anymore, I just mentally know how much I can spend each week. I still do monthly budget to make sure I’m on track.
I’m getting ready to get prepaid cards for my kids to help them learn to budget. My oldest said it would even work in the snack machines at school so I wouldn’t have to have change for her daily.
I have learned to budget each month. Like I was able to treat my family with a vacation this past summer cause I stuck to it. I didn’t buy of I didn’t need it. Bought only what was needed. I also bought a new car. I saved what was on my card and used cash when needed. Put some in savings. I also learned that the more I was saving by shopping for groceries was going to places that had sales and coupons. It is almost like shopping for your kids. Little ones tend to grow so fast. Find where you will get quality sales and coupons for. I noticed that when I was shopping for my kiddos. A lot of different places were having great buys for my kiddo’s. Like take children’s place they had a 2 for $8 sale on tops and pants back in September I took advantage of that for my youngest cause she grows so fast and the quality of the clothes are awesome for the length of time she wears them which is usually 6 months. Then at the outlets there was a new balance outlet and they had shoes in sale for $20 to $40 dollars shoes. I said yup I will do that. I ended up spending at that store $80 for 4 pairs of shoes. My family of 4 needed sneakers. So I was like that’s right. I also shop at the dollar tree for things like some foods and some household stuff like cleaners cooking spoons. I also get my shampoo body wash make up and glasses for the kitchen kitchen towels at the dollar tree. I don’t like spending big especially since I love to budget even if I have more money to count for it’s worth it in the end
Use cash. Freeze debit/credit cards in water. Only way to use them is to wait for them to thaw. Log every dollar spent.
I constantly tell myself and others that I’m broke so that they don’t try to convince me to buy stuff and so that I can keep in mind that I don’t have loads of money to spend…even if I’m not actually broke - just budgeting money. I’ve never made a budget. But if you convince yourself YOU NEVER want your bank account below $500 and then the next month $600 and so on, you save around $100 a month and it adds up!
Only go to the store when you need something.No window shopping.
Every time you go to buy something ask yourself, do I NEED it or just want it.
Stop eating out, budget your gas, food. Use Ibotta and coupon for things you typically buy already. set up a by item for savings. Like, set up envelopes for future car payment, home repair, vacation, vet bills, etc. put a set amount away in an envelope each month, seal it and put it in a lock box.
I use cash the biggest part of the time. If I see something I think I’d like, I’d think about it for a while & if I still want it, I get it. Beats getting it & realizing that you really don’t care for it down the road.
All these are good suggestions but I’ll add one that hasn’t been mentioned. Clothing is usually a large part of a woman’s budget. Learn to mix and match your clothes. Don’t buy anything that you can’t wear with something you already have—don’t buy something just because it’s cute! Also look at the long-term wear you will get out of it. Everyone wants to be trendy but save trendy for accessories. Buy quality, not quantity. If you have things in your closet that no longer fit take them to the resale shop or list them online, or donate them to charity. Have a budget for clothes and stick to it.
Ask yourself do i need it or do i want it if it a want then no you are not going to. Buy it if it is a need food wise. How bad if can do with out then do without
Use cash instead of a card. Its harder to let go. Check out Dave Ramsey’s books it is very helpful, and makes you become aware of ways to save