At the beginning of the month when you go to the grocery store, use your credit card to buy store gift cards and use them to buy your groceries for the month. On the receipt it shows how much is left on your card, hopefully keeping you within budget. If you get close to the end..
..you may not buy things you really don't need, or you may have money left for the next month. Using the credit card to buy the store cards may get you some perks from the credit card. You then can send a payment to the card company. : ) Isn't on-line banking great!!
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If you have a credit card that gives you rewards such as gift cards for accumulated points, save them all up until December then cash them in. I have done this the last couple of years and gave the gift cards as presents or got them for myself then purchased Christmas presents at the store using the gift card.
The best thing about this is that no one will ever know!
When I know that we're going to be short on money, I purchase gift cards for places we frequent for recreation and/or gas, groceries, etc. That way if we want to do something later not in the budget we can use one of the gift cards for a specific amount and still have a good time!
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