I always found I'd spend my money for bills before I got a chance to pay them. So I opened a second account for bills. When I get paid I add up my bills and leave that money there, then transfer the rest to my spending account. This way I never go over on spending funds. Include "savings" as one of your "bills" and set up an auto transfer to your savings account.
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Have both an Emergency Fund and an Annual Bill fund
While trying to live within your means works you need to also fund out of your cash flow an emergency fund and an annual costs fund. Once those are funded , everyday buffets don't make such an impact from needing a new washer to a long call to the plumber.
The best change we accomplished was when we had an annual living expenses fund. That meant we could live without any money coming in for a year. For me, this fund was actually better than anything.
Save money on home entertainment and put what you would have spent on sitting on your backside into a vacation fund or something else special for you and/or your entire family
Don't pay monthly for cable or satellite television service! Watch your DVD collection, get your favourite TV shows on DVD, or better yet, turn off the tube and have some family time! Skip the commercials tempting you to spend your money!
Whenever I've been out and about and have spent money I always wind up with a pocket full of change. Every night when I get home I put all that change into my alabaster box (the money goes towards building new churches.) I'm helping someone while keeping myself from having change all over and feeling like a wonderful person!
You can do this with any organization you want or a vacation or clothing fund.
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