Cut out. Lots of us pay for things we do not even use. This is another mistake that gets easier to make with so many automated payment plans. Do you keep a gym membership that you do not use? Replace that with a brisk walk, weights, or a stationary bike. You will not have to make monthly payments, and you may find it is more convenient.
Tip _ Write Needs/Wants on a Special Worksheet _ As members of your family express certain needs and wants, it is helpful to record them on a needs and wants worksheet. This will help to spend money wisely as it becomes available instead of make impulse buys and forgetting what you really wanted or needed.