Do you pay by credit card or cash? Do you have a budget and do you stick to it?
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Yes I do. I plan for my monthly expenses and move accordingly.
I use both cash and credit card but mostly I prefer to pay cash.
I think planning or budgeting is very important because without budget I can’t save anything.
List down the expense you want to make during the month with estimated amounts.
Check your list and reassess if you really need these things to buy.
When you go for shopping make a list of things you need to buy and then restrict to that list.
Leave some amount for contingencies.
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I am not really good in budgeting but my wife does. It is of course very important to all of us especially that today we are facing financial crisis.
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