I would say, be as prudent w/your spending as possible. Make economical meals, eat left overs, etc. My struggle is the grocery bills, I had set a monthly goal, but I always seemed to go over it!! So now, I have my limit. I try to go grocery shopping now once a month. I go to a warehouse club, and shop sales at a local grocery. However, sometimes, the purchase of the warehouse club hits the limit. Instead of still going to the grocery too, I tell my husband, "Oh well, we're just gonna have to make due w/what we have. We won't starve." And that has worked. So far, I've stayed w/in that budget for a few months. (And we have a child as well, it's not just him & I.)
As far as buying other things. It's a temptation to purchase something that we 'want'. But now, I've gone back to the old fashioned way. If it's not an emergency item, just something I'd like, I set aside some money in an envelope. A dollar here or there, change in a bowl, etc. When a lot gets accumulated, THEN I will make the purchase. I will then put it on my credit card to get the reward points for it, but at least when the bill comes in, ADD that money to your REGULAR pymt and then you won't incur any further debt.
I hope this helps you.
| current weight: 155.0