Melissa had another great tip for us:
“A tip I have for spending less is use cash. I have started using cash for groceries, clothes, gas, and out to eat. You can’t buy it if you don’t have the money. It helps me make sure that I don’t go over budget. Sometimes it’s a pain if I see something on sale really cheap and I don’t have my clothes money with, but then I don’t end up buying things either just because they are on sale.”
The only downside to this is that some credit card companies offer great deals. We do use credit but make sure we pay each month to avoid finance charges but still get the free airmiles. What about you? Are you cash or credit? Drop me a comment and let us know!