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

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[quote=Anonymous]look at how much you get per month.  calculate the fixed bills and subtract them from that.  then calculate the grocery cost you can't cut down on and subtract that.  you will see what you have left and it won't be much.  then realize that you will have extra things you didn't count yet, like car repairs, big surprise medical copays, house repairs etc.  convince yourself that these surprises are bound to happen sooner or later and realize that this little amount you have left which you calculated already is all you have left to cover the surprises... you might become less interested in spending on anything when you see that figure.  I did something like this-- I calculated monthly income, subtracted the bills and then had a monthly amount for groceries etc.. that amount was awfully small, smaller than I had thought.  I mentally now have a $ amount that I can spend per week (I am determined to build our emergency savings back up and that is taken into account).  If I have no choice but to go over that, then I have to "borrow" from the next week.  We have to use the leftovers in the freezer, not buy clothes that week etc.  Also, look into buying more things secondhand for the 3 DCs.  Once you see that it is $1 for a like-new tshirt at a yard sale, that $8 shirt at target will just seem to expensive and it will be easy not to buy it.[/quote]

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