But I Have Worked So Hard!
 
Of course, you think you have worked hard and deserve some extras, and perhaps you do – but don’t!  Now is the time to say no and now is the time to give up the extra things you purchase that make you feel good. 
 
Will some of this […]

Getting Your Money’s Worth
 
 
 
Before making a purchase, pause for a minute to ask yourself a questions.  Is it worth what I’m paying for it?  This is where spending money becomes a real skill.  Worth or value is often hard to determine. 
 
Value in this case means the quality of the product itself; it […]

Purchasing While Considering Quality
 
 
Generally, when you are buying a product where length of service and performance are important, quality — how well it is made, how well it functions, how long it will last — is first consideration.  Price is, within budget limits, a second consideration. 
 
Appearance may or may not be a […]

Track Your Expenses

Track your expenses. Keep a running balance sheet of every expense and pinpoint areas where you need to cut back. Use a notebook to record the amount and category of each purchase no matter how small. Include check and credit card purchases also.

Do this every day for 3 months. Total each […]