Reply to Help - I rack up such a high balance on my credit card every month

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]I'm going to echo other PP's suggestion of YNAB. It totally transformed me! Its really, really helpful for staying on a budget. I highly recommend it.

I'm struck by your use of the word "need," OP. That may be part of your struggle. If you see something you "need" you must buy it, because you of course buy things you need. But you don't need those things in Target, you want them. Wanting is perfectly fine and normal, but we don't buy everything we just want. If something it a want it can wait. So if you want something, tell yourself you can have it but you have to wait a week, and if you still want it in a week you can go back and buy it. Just make it a rule for yourself. YNAB can help with this, because you'll know you have $100 or whatever for fun money for the month, and you'll have to decide whether that shirt at Target is worth it or not. And once your fun money is gone, its gone. The good thing is that because it is truly budgeted fun money you don't need to feel badly at all on spending it on "wants." Spend it however your want, and enjoy...just don't go over that amount.[/quote]

I think I meant need as in like personal care stuff or food and what not , not like junk or fun things you know. i think I have always been stingy about using my debit card because [b]then I actually see the money go. [/b]Good points, thank you so much for your sound advice. [/quote]

This is why you should start using ONLY your debit card.  At least for awhile.  If the purchase isn't worth a little ouch, then it's not worth it.[/quote]

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