Sometimes it is CRUCIAL to go back to the basics. They are "basics" afterall, but sometimes those are the easiest things to forget.
1. Keep track of every dime you spend.
You can do this by using the envelope system, by keeping a notebook with you at ALL times and keeping up with every transcraction, or by using an online site to help keep you on track. Either way, keeping track is ESSENTIAL.
2. Keep lists.
I know that it's fun to make a random stop by the mall, or visit ebay "just to browse", of course, but that can get you in trouble. If you don't keep LISTS, then you will spend unnecessary money. Keep a list of your clothes. Your kids clothes. Your shoes. Your stockpile. ANYTHING that you own... keep track of it. If you don't keep ongoing lists of things you have then you just may stop by the store and end up buying something you ALREADY had. When we have lots of STUFF, we tend to forget what we have. I know I can't possibly be the only one that has been so pumped to get a new black pair of heels only to go home and realize that I already had 3 pair... keep lists!
3. Keep going to your checkups.
Just like when you are sick and the doctor tells you to come back in a week, the same rules apply to finances and our stuff. We HAVE to go back for checkups. We HAVE to take the time to look through our financial statements, our envelopes, our closets, etc. It's not a "one and done" kinda process... it is a PROCESS which means it is ongoing.
Just some tips for a tune-up.
how did you do?