One of the ugly truths about budgeting is that when you keep track of your expenses, it’s painfully clear when you’ve gone off track.
Write it down when you’ve gone over your budget. The negativity you feel will help prevent you from overspending more or doing it again. Just think of this step as damage control.
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Take a hard look at how much you are spending day to day. Every time you spend money, write it down as it happens in a little notebook or log it into an app.
Alternatively, use the envelope method. Make an envelope for each of your non-fixed expenses, like groceries, clo...
When negative thoughts appear, stop what you are doing and write them down. Once you’ve slowed down the negative momentum of your thoughts, you will be more rational and clear-headed.
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If you don't have a plan when the New Year's glow has worn off in a few months, you will stop doing whatever you promised to do.
To force yourself to stick to a budget:
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