Top 10 Tips to Control Spending Habits for the New Year

by Sami

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Top 10 Tips to Control Spending Habits for the New Year

1. Return anything laying around the house with a tag still on it (including unwanted gifts) and use credit for something you truly need

2. Keep track of when gift cards expire and make sure to use them ALL before they do!

3. Ditto #2, except with coupons

4. Track spending on a Google spreadsheet (or a notebook if you’re old school) before planning a new budget to see where your money is going

5. Set up a Savings Account (for everyone in the family) and start socking away 10% of everything you make… then promise yourself you won’t touch it (we like ING DIRECT – they even have a Kids Savings Account!)

6. Have your kids gather and count all the coins & loose change they can find and roll them for the bank (paying them a % of course)

7. Develop a system for tracking all incoming receipts (I’m in love with the NeatReceipts mobile scanner & digital filing system – it scans receipts, business cards and documents while the software extracts and organizes key information so you don’t have to!)

8. Disclose said system to the rest of your family & explain your expectations

9. Develop personal & family BHADs (Big, Hairy, Audacious Goals) for the next 3, 6, and 12 months…and then plan on ways to celebrate them once you accomplish them!

10. Enjoy what you have, give more, & spend less!

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Barbara F. January 23, 2013 - 7:51 pm

Great timing for us. My husband lost his job and as a homeschool mom, well I don’t get paid (at least in money). I especially love #10. So true. Thanks for sharing.

Rebecca January 22, 2013 - 12:06 pm

We recently missed out on some credits – because we were not tracking them. UGH!

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