Here’s a useful idea to help you stay on track with your goals and keep spending in check: rewrite your short, medium and long term goals on a small piece of paper. Keep that right in your wallet right next to your debit card. Every time you reach for your card you’ll be reminded of your goals. Before completing the purchase ask yourself if this is really helping you reach a goal, if it’s a necessary living expense, or whether you can do without.
Keep track of how much money you save each week by doing this. You might be pleasantly surprised!
Set all that saved money in one of your virtual envelopes associated with one of your goals. Now you are that much closer!
See my other blogs on virtual envelopes and how to set up virtual accounts or envelopes for all your budgeting pleasure!
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