If you're having trouble creating or sticking to a budget, it can help to pick one "problem area" and track every penny you spend in this single category. For example, track the money you spend on dining out and see if that helps you reduce the amount of money you spend in this category.
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If my spending is getting out of control I go back to all cash for a while. Each pay period I withdraw my budgeted amount in cash and put it into envelopes marked with budget category and amount. Real cash makes me stop before taking money from one envelope to finance a splurge. Works everytime.
Each payperiod I withdraw a certain amount of cash that I can spend during those two weeks. I write down where that money goes. Each month I review how I spent the cash. This helps with my budgeting & analyzing my wants & needs. I know if I need a new budget category or if I'm buying too many treats
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