Hello, my name is Tess, and I am a shopaholic.
...This is the part where you say, "Hi Tess."
Anyway, I've learned, over the past few months, that controlling your spending can be extremely simple. I've saved a few thousand dollars, and I will tell you how!
1. Budget by week.
What I've been doing is taking out around 250 to 350 dollars per week. This way I have a finite amount of money to spend. Keeping track of your expenses by week will enable you to keep a tight hold on your
2. Use Cash
Using cash will enable you to see the money leaving your hand. This will encourage you to spend less. It's just a fact of life. If I can see the money going...I won't want to spend it.
3. Leave your Debit card at home.
This way you're not tempted to take out more money, or overpay for things. If you have unlimited funds on you at all times, you're not going to want to save, at least, that's what I always thought.
Be hard on yourself, and hold yourself accountable for each penny.
4. Make lists
NEVER go to the grocery store without a list, this will help you stick to your guns and not end up buying unnecessary stuff. It's liberating to make sure that you can help yourself accountable. It's all about responsibility here!
5. Tell yourself every day what saving can do, buy or set up for you.
You are the master of your financial destiny, if you want to be able to say that you're responsible, you've got to take ownership of your money. I guess, me starting to save was a decision of necessity. When you start your life, all of the financial crippling starts to become real.
Student loans, rent, car payments and more. You will save when you have to. Better to start now!