I totally agree with Betsy, we also write down everything that we spend with visa, in our checkbook, just as if we wrote a check. That’s how we pay off our visa bill at the end of the month with no balance and no interest to worry about. I’ve had people look at me strange when I tell then what we do, but it works for us.
and you are right when you said it takes discipline. You have to looka the object sometimes and say to yourself…”Do I really need this or do I want this?” That’s what I have to do, anyway.
;0) Really hurst, really bad, when it’s something you really, really want, but when you look at the budget, you decide…you don’t really need it. ;0( We have a file that we keep all the receipts in so at the end of the month we can look back over where we need to cut back and what we can do different to meet our budget.