I kept pretty good track of my spending this past month. Boy, what an eye opener! I was able to see exactly where my money went. I've got to pull in the reigns on my spending a bit tighter.
I discovered through tracking my expenses last month that I use my debit card way too often.This throws my budget off because I use the envelope method for certain categories such as food, dental, auto tuneups, year end accounting, gifts, etc. When I use my debit card instead of the assigned envelope money then I'm taking money that is designated to other bills.
So, I've come up with a plan. I took my debit card and all but one credit card out of my purse. (The credit card I kept is used for my gasoline purchases.) I'll carry a week's worth of my budgeted amount for groceries. When the money is gone then the spending must stop.
I'm hoping this will work. Time will tell.
How do you curb spending?