I realize that every situtation is different, and require different approaches. For what it's worth, me and my wife have a spending "allowance", where each week we get a set amount of cash for personal use. If we want something that is more than our allowance, we save up for it. I find this works b/c it forces us to think about big purchases and often times eliminates those impuse purchases. This also limits the amount we put on the credit card, so we don't end up with large surprises.
|