An all cash diet can keep you from over spending, and it is easy to stick to. Once you've spent your cash then you have reached your budget for that week. Simple, right?
Open your bills when they arrive
One way to improve your finances over time is to open all of your bills immediately when you receive them. This also goes hand-in-hand with tracking all expenses. When you receive your bills, catalog and understand them--write a check and seal the bill. You can use a dated calendar to sort the items, knowing exactly when to get them in the mail!
Don't pay only the minimum due on credit cards
You'll never get anywhere only paying the bare minimum on your credit cards. Try to establish a monthly payment that will begin cutting in on the interest and lowering your balance.
Are you in need of an ATM, but your bank is not in close proximity?
Some banks charge excessive fees for using out of network ATM's. Locate an ATM that is in collaboration with your bank, or which carries low fees to access your funds. You don't want to be one of those paying $4.00 just to get access to your own money.
Don't spend mindlessly
You might think buying that last minute pack of gum at checkout, or the cooking magazine doesn't matter, but it really does. Small charges like these add up fast. So, pay attention to every transaction you do. If you're trying to save and get on top of the financial game, being wise to daily spending habits can help you become more mindful of how you're spending money.
Stop eating out everyday
There are those who work outside the home that have a bad habit of buying their lunch out every day. This expense adds up fast, so stop! Start packing your lunch, or set a budget for the week and don't go past it. It's very easy to stay on track if you account for your spending and only allow so much.
Don't dip into your savings when your funds are limited
Your savings is just that, SAVINGS. You shouldn't dip into it unless there is an absolute emergency causing you to have to. Stick to a budget and don't drift from it.
These tips will help you stay on track of any budget you set up. It takes time and patience to get in the habit of spending your money wisely, and just as long to save it!