Use paper, not plastic
I know I have written other posts that profess the benefits of using a certain debit card or credit card. That suggestion is specific to that particular instance. What you really need to do, however, is pay for everything with CASH.
I know this may seem a little strange, but the point of paying with cash is to make you realize how much money you are actually spending on a daily basis. People are inclined to spend a lot more when they are using a credit card or debit card because there is not real accounting of how much is going out.
Try this approach for a month and take an accounting of how much money you actually save. I am going to start my month tomorrow.
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