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

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[quote=Anonymous]OP here. Thanks all for the responses. Since posting this thread, I started using Mint.com, which I like because I can see all our credit card balances (we use two rewards cards for everyday purchases and pay them off each month) and checking/savings account balances on one website, and went back to using Easy Envelope for tracking our discretionary spending on our phones (it is free and we had been using it previously and then stopped once we got a bonus and tax refund). The reality right now is that it hasn't been that hard to get into a more disciplined mindset because of the utter necessity of doing so. It will not be easy because things are going to be so incredibly tight for the next few years, but we don't have any choice unless we want to sink back into credit card debt, and we don't because we have long term financial goals that would be undermined by doing so.  Every "extra" purchase (outside the monthly budget) has to be financed by selling something that we have or by underspending the budget in one or more other categories. In a way it's easier than before because we really can only afford necessities, and that makes it easier to distinguish a want from a need.

I especially appreciated the advice about delaying purchases and not looking at sale emails from online merchants.

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