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InvisibleCyclohexylamine
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Registered: 09/08/10
Posts: 14,327
Re: Im terrible with money [Re: Penelope_Tree]
    #19062136 - 10/31/13 07:53 AM (10 years, 2 months ago)

Quote:

Penelope_Tree said:
The best I ever did with my money was when I started keeping a budget and tracking my spending. It gave me clear & concise goals, a visual way to understand my habits and priorities, and was motivating. I would highly suggest that everyone keep a budget and put effort into crafting it.






This - a budget is a great way to keep track of your spending, and to review at the end of the month exactly what you are spending / wasting money on. Once you have a visual representation of the things you spend money on it becomes less easy to rationalize spending on frivolous things, at least ime.

I personally use my credit card for everything instead of cash, as this allows me to have a complete history of my purchases. Obviously purchases I don't wish tracked to me are made in cash but that's not the majority of purchases. The key is not treating the credit card as an unlimited funds card but as a debit card, not spending more than is set aside to pay it off.


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