I have stopped using my credit card for anything but automatic pay of my bills. I carry cash for everything else. I only have so much expendable cash each month. If I don't have the cash for it, I can't buy it. This makes me pay a lot more attention to the things I buy as I have to buy my gas, etc out of that cash and I need gas at the end of the month too!
We're in the middle of refinancing our home to get our monthly payments down.
I'm starting a personal accountability deal with my credit card and the food budget, keeping track of all expenses, daily. I have goals I want to decrease my spending on both by. I recently started a program to get "out and about" more, which includes de-simplifying some of my grocery shopping choices, going further afield to save money.
I normally have my groceries delivered but I am going to take over some of those purchases; the delivery warehouse does not have some of the things we normally buy and we run out of things like milk, eggs, bread, etc. more often than I have a delivery. My husband usually runs to the convenience store to pick them up but now I'm going to go to a better, less expensive grocery store for those things, get the exercise doing so.
The other day I tested it out and bought 5 items and they would have cost $20+ to deliver but only cost me a little over $12 to pick up myself.
There is no pleasure worth forgoing just for an extra three years in the geriatric ward. ~John Mortimer
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