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Last week i was having a real problem sticking to my allowance which was between 1400 - 1700. I felt really hungry, which,although i was drinking lots of water left me feeling bloated. I felt restricted, so I changed my calorie allowance to between 2000 and 2500, since, my highest calorie in intake for the day so far has been around 1550 cals, well within my original calorie allowance, I don't feel hungry, at all,nor do i feel restricted and scared that i am going to go over my allowance.
I don't give in when my girls "need" something new, or I'd be forever broke. I tell them we'll consider it for the next pay day. Half the time they forget. If they remember, they have to contribute from their allowance or wait until they have a clothing allowance. They are 9 and 11 but this has been working for years.
Sometimes we will go to the consignment shop and find a similar item for less than half the price. The clothing allowance is really key because they have control. 211
Try making a budget for yourself (Mint.com is a great free tool to do this). Set yourself a monthly budget. Each month, try to decrease your allowances by 5% (for the things you CAN change) and try to stick to the new budget. Alternatively, reduce your biggest spending categories by 10%! For me, that's restaurants and eating out - good on the wallet and the belly.
Try setting a percentage reduction factor that's right for you. Mint has a smartphone app that is free as well. Move the difference of money (month 1 - current month) directly into a difficult to access savings account (like a GIC, mutual fund, or one where you have to request the money).
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