How do you bring yourself back when you’re consistently over budget — what changes do you make, on either a small or large scale, to control your spending? We’ve talked about how to set a budget, as well as how to live within your means, but we haven’t talked about that thing that everyone needs to do from time to time: rein yourself in when you’re spending more than you want to. There are two sides of this coin, I suppose. First, maybe you’re spending too much and sending yourself into the red — credit card debt is climbing, other bills are going unpaid, etc. Second, maybe you’re still spending within your means, but you just feel like you’re out of control — maybe you were raised with a more limited budget, or maybe you just know you can save a lot more than you are right now. Either way, the question is the same: how do you stop spending? (Pictured: Moyna Dollar Sign Pouch, available at ShopBop for $40.80 (on sale from $51).
I’ve done a number of things through the years, including: [Read more...]