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There is Get Smart About Money! BillGuard is another great money management tool. This popular budgeting app has two main purposes: to help you completely understand your spending habits, and to protect your cards from fraudulent charges, two very important goals when it comes to tracking your spending. Keep your receipts. This is a good way to track how much you spend on certain things every day. Rather than toss your receipts, keep them so you can record exactly how much you spent on an item or a meal. This way, if you end up overspending for the month, you can pinpoint exactly when and where you spent your money. to be said about being a frugal person I try to save money whenever possible - I use coupons, buy quality items, and shop with a plan. But that doesn't mean I am cheap or afraid to spend money. I have no problem spending money, so long as I make the conscious decision to spend. I don't like the idea of buying things out of habit. Step 3: Keep a Daily and Weekly Spending Record.







Instead, suggest plans that won't require you to shell out a lot of money. Meeting for coffee instead of brunch, exploring new hiking trails instead of checking out the latest concert, or having a potluck dinner at home instead of going out to a restaurant are a few money saving tips worth considering You won't be able to splurge on expensive vacations or fancy dinners, but you can still enjoy a fun social life without shelling out a lot of money.

Whether you want to reduce your spending or are pretty happy with where you're at, it's still important to define your musts.” While you might need to go on a bare-bones budget to pay off debt or overcome financial hardship, most of us want some wiggle room in our spending plans. And even if you're fine with your spending as-is, defining your musts can also help you prepare for any upcoming changes in your budget if, say, you lose your job or take a pay cut.
5. Don't shop while you wait.  Get Smart About Money! Interestingly, 40% of us would prefer to receive a large tax refund, while 46% either would opt for a small refund or no refund at all. As I have written in the past ad nauseam, I believe that it makes no sense whatsoever to loan money to the Treasury at zero interest, but the numbers indicate that a goodly number of us favor the forced savings” aspect that over withholding provides. finds 28% of people who use their mobile device to shop do so while waiting in line. It's tempting to browse Amazon or Ann Taylor while you're sitting in the car line at school or in the waiting room at the doctor's office. But those small windows of time can open the door to serious spending that can affect your Baby Step progress If you know you'll be waiting in line, keep a book or magazine in your car to help pass the time.