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Money and Finances
Reply to "Developing the discipline to stop spending -- I need tips"
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[quote=Anonymous]Try using Mint (or another way to track expenses). It's a lot harder to rationalize overspending when you can easily see whether you're on track or not for the month in different budget categories and overall. You also have to budget for major expenses that don't come up very often (set aside X per month for home and car repairs, knowing that you're going to have large infrequent expenses in these areas). You can find ways to cut spending on kids' clothes, groceries, and extracurriculars. New furniture and storage are wants, not needs. Your budget and tracking should include long-term goals, like progress paying off cc debt and building emergency savings, retirement, and college savings. Working towards those goals provides motivation to stick to a budget. [/quote]
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