My number one rule is: paying bills comes before anything else. I actually enjoy the challenge of living on a budget. I do get to kick up my heels once in awhile, but only after the essentials are out of the way.
Although I try to stick to a budget I am often tempted to splurge. There are many many websites that will pay you in gift cards or free samples. There are too many to mention here but they do exist. Some sites aren't worth the time and energy but I've earned lots of free stuff from these sites.
I am very very frugal with my money. I check the account constantly on what we spend and on what we should cut back on. I just try to make sure I can pay all the bills and provide for the family before I spend money on me. It's hard sometimes yes but it's worth it for the most part.
We usually run pretty frugal, however, now that we are really trying to put 7000. dollars together we are giving out money just one more squeeze. Eating what's in the kitchen and doing without. My poor hubby has even given up using pert shampoo, and is using generic. OH MY !!!
It must be nice to be able to seond money without budgeting but I know lots of people soend money they dont have yet in the form of using credit cards. I prefer to use cash instead. At least that way I know if there is no money I dont need it right away or I can wait until the next paycheck.
If anyone has any advice on that one please let me know because this economy is killing me. I watched a show once where people lived on a tight budget. One guy was able to pay for his child's college by putting change in a jar and later depositing this into a bank account. So cool. Wonder if anyone could do that now.
I am retired but still know how much I can spend and on what. I give myself an allowance and if I spend it then I wait til my next check to buy anything else and I always put some money in the bank for savings.
I live on a disability income, but spend too much money on shopping at thrift stores. I often spend my food money on thrifting and ask my mom to give me money for groceries. Now I have returned to online shopping. I would like to take violin and ballet lessons in September. How can I still have money for shopping???