Reply to Developing the discipline to stop spending -- I need tips

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[quote=Anonymous]I always look at threads about household budgeting and tracking expenses, but honestly I know what we spend on, what we overspend on, and approximately how much we should be spending each month. My problem is (and unfortunately my DH is exactly like me, so we are two peas in an overextended pod) resisting the temptation to spend in the moment and how easily I can suspend disbelief when I decide we need something.

I should note that none of what we buy is frivolous -- I'm not talking about designer handbags or shoes or electronics. I'm talking about buying clothes for the kids, spending too much on groceries (which we do not waste -- we generally all or almost all of what we buy), Amazon Subscribe & Save purchases, Costco, extracurricular activities for the kids, and stuff that comes up that we need like a new piece of furniture or storage/organization solutions for our tiny house (which means IKEA or Target most likely). We are on a really tight budget and money goes fast -- we get a cushion (tax refund or bonus) and then we spend it down really quickly. Basically we have very little disposable income which means we need to be real penny pinchers and neither of us is naturally like that. We are finally almost out of credit card debt.

What I need is mental discipline and I'm not sure there is an app for that. Does anyone have any thoughts or tips for me?[/quote]

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