ways to spend less

I know you guys LOVE to shop especially the girls. So here are a few tips on how you can spend less:

-make a list. When you go to the store, buy ONLY what is on your list!

-get rid of the credit cards. Keep one for emergencies if you must.

-don't go window shopping when you are bored or depressed. You will buy more than the window!

-set dollar limits. If you are going to buy a second hand car, electronics or an appliance, set a dollar limit and stick to it!!!

-sometimes buying name brand is good, because you get the quality, like tennis shoes or tools, but again, set a limit.

-avoid shopping with your rich friends or friends who shop like they are rich! You will just try to keep up and end up buying things you don't really need and that you can't really afford.

-always think practical whenever you are shopping. Always ask yourself, "do I NEED this?", or ask yourself, "is this absolutely necessary?" If your answer is yes to either or both of these questions, then you are being practical, but you HAVE to be honest with yourself!

-make a budget and stick to it! Putting the numbers down on paper will show you just where all your money is going!