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Money and Finances
Reply to "Developing the discipline to stop spending -- I need tips"
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[quote=Anonymous]We are in a similar place due to underemployment of DH so this is what we've done: 1.) occasional no-spend week or month. Buy only what you really need -- groceries, no Costco stocking up but toilet paper if you run out, gas, etc. 2.) I mentally multiply expenses by 50 (weekly), 12 (monthly) or 250 (workday). So one $3 coffee a day at work is $750 a year. One extra target $10 doodad per week is $500 a year. 3.) I track spending carefully with YNAB. It costs $60 buy you can get a free trial. 4.) we don't go into stores Often and I try to unsubscribe from emails from stores. 5.) DH and I have a small designated amount of money to spend on whatever we want. 6.) targeted savings accounts at ING (now capital one 360) for stuff like furniture. Home stuff and kids lessons/clothes are my weakness as well.[/quote]
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