I have been spending too much money (I was going to say lately but that's not true) so I have set out a plan that I heard about on TV.
I have envelopes in my purse for different things:
My Target envelope is $40 a week.
My fast food/coffee envelope is $20 a week.
I'm not keeping my ATM card in my wallet (I have NO self control!) so I won't be tempted. I get groceries and gas on Sunday with my ATM card and then the rest of the week it stays home.
I am going to keep this up, I always buy stupid little junk but if I actually saved money we could do all the big projects that we have been trying to do for 5 years!
Keep your fingers crossed, no cross everything for me. Please. =)