Spending like I have the money

Logically I know that I have to stop spending money. At least I am aware of it and that is, I suppose, half the battle. Well, if not half the battle then it is at least the first step. It’s just that I am able to justify my spending most of the time. That weekend seminar? I need to register for it to further my career. That bookshelf? That will help me organize my office. Going out to dinner? I deserve a little treat.

What gets me is that these things all add up and I end up in quite a pickle at the end of the month when my credit cards are all due. Perhaps I can come up with some sort of a reward system. Like, if I don’t use my credit card for five days in a row then I can take myself out to dinner. Or if I keep my spending under a certain limit for the week or month, then I can buy that new shirt that looks so cute. And as long as I can remain disciplined enough and not cheat a little bit here and there, this system just might work.

Comments

• Featured Links

  • Payday Advance

• Tags

  2009 taxes Budget Budgeting business taxes credit credit card Credit Card Debt Debt expenses extra cash federal taxes finances fix finances Florida real estate foreclosure house income interest internal revenue service invest invest for retirement ira IRS Jobs make money money mortgage real estate realtor retirement retirement savings roth ira save save expenses save money Saving saving money sell house short sale small business small business taxes start a business tax Taxes traditional ira