Keith_Beef
Novice equestrian, accomplished equichetrian
Only use cash. Set yourself a monthly budget. Take half of your budget out at the start of the month and half on the 15th. If you need to buy something online and use a card make sure you put that amount back into your account.
I've found that it's easier to keep spending in check if I draw out a certain amount of money in cash at the beginning of the month, and play a little game of seeing how long I can make it last, while only using my debit card for shopping for the whole family.
The ATM made me snort half in amusement, half in indignation, when I saw it giving out money-saving advice on the screen, between transactions.
Really useful stuff like "if you go without a latte and doughnut at a cafe on the way to work each morning, you could save up to £150 per year!!1!111!"
No shit, Sherlock.
I prefer the advice in Viz. "If you want to make an apple pie, try buying onions, instead of apples, because they are cheaper."