|Start a Spending Book|
By Melissa Tosetti
Too often, our spending is influenced by something that catches our attention at the store rather than something we intentionally want to purchase.
A powerful tool for staying focused is to create a Spending Book which is simply a small notebook that can easily slip into your purse or back pocket. When you need to purchase an item such as a blanket, casserole dish or outfit for an upcoming wedding, write it down in your Spending Book. This is also the place to log items that you want such as a new TV or plane tickets to Hawaii.
Keep your Spending Book with you at all times and pull it out while you shop. Just as you would at the grocery store, only purchase those items you intentionally want to buy - the items listed in your Spending Book.
This process also helps you take better advantage of sales. Before heading to your favorite stores, visit their websites to check their weekly sales ads. Look to see if any of the items that are on sale happen to coordinate with the items in your Spending Book. If so, now is the perfect time to make that purchase.