Jennifer - posted on 06/21/2010 ( 9 moms have responded )
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I am a huge spender. My husband is in the military and I recently got out of the military. Now my husband is our only income (And we make enough that we should not be hurting as much as we are.) I just spend what we have without thinking. Can anyone help me please. Any ideas would be very helpful.
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Karen - posted on 06/29/2010
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I use the credit card for gas only. I pay cash for everything else to control my spending. When my allowance is finished I dont shop anymore. Let the husband get the shopping for you. You can make a list and he can go get it after work. this way you are not tempted to buy everything else in the store. It is hard for dad to buy clothes, but you can set yourself a limit and stick to it. get a book from the library called " the tightwad Gazette" this lady was amazing. She changed and so can you.
Janet - posted on 06/28/2010
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Take out an allowance weekly and use CASH! no credit or debit. You'll learn very quickly to only buy what you need, and not so much what you want. Have you ever seen the show "till debt to us part"? It is a great t.v. program and she teaches you to live on a cash budget for everything!
Julie - posted on 06/26/2010
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PRIORITIES.IS YOUR SPENDING A NEED OR A WANT?IS THIS PURCHASE GOING TO CAUSE CONSEQUENCE?ARE YOU LIVING A LIFESTYLE BEYOND YOUR INCOME?HOPE THIS HELPS
Rae - posted on 06/24/2010
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I find meal planning in advance always helps, that way you go to the store with a plan , you use what you buy. as far as clothing and house hold items, most stores have websites and I take 10 mins before I go to look at the stores I would normally shop at to see deals and items I would like to purchase. Wishing you tons of luck its had to cut back, but I am sure you will do great!
Claire - posted on 06/24/2010
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Aldi is a small grocery store. It's not fancy and it's all generic brands, which all but eliminates the overhead costs. If you need a comparison, think miniature version of Sam's club (products are displayed in cases), but they sell the individual items just like a grocery store.
It's very simple and caries mostly basic items. The ones around us only take debit or cash and no coupons.
Bring a quarter for the cart and your re-usable bags.
Jennifer - posted on 06/24/2010
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Thanks Kimmy! Question: What is Aldi? Like a Sams Club/ Cosco/ BJ's?
Kimmy - posted on 06/23/2010
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List all to your monthly expenses electric , morgage, phone, insurence etct.. set aside money for gas& groceries... put the rest into savings!!
I cut down my monthly grocery bills by shopping at Aldi!! After saving for 3 months take a 1/4 of that and spend on a family gift!!
Continue.. then you will have a nest egg!!
Jennifer - posted on 06/22/2010
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Thanks. I will definitely try!
Cheryl - posted on 06/22/2010
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Allow yourself a weekly/monthly amount for food etc and then allow a separate amount for sundries......clothes, travel, treats, takeaways etc.
It is really hard to try and cut down when you have been used to being able to spend when and how you want.
it will get easier and your mind will start to think about the coins rather than the notes that you have in your purse!!
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