Simple Family Budget Fixes _ Understand that most families do not get into trouble because of big expenses. They get into financial hot water much more slowly than that. These people may just spend a few dollars more than they make, but they do it over a period of time. So the problem just gets worse. Here are some solutions that others have used to save from 贄 _ 躔 a month without giving up things they need or really enjoy.
Credit and debit cards can lure you into spending frenzy that can spiral out of control before you know it. Have you ever come to the end of the month and asked, "Where did all the money go?" The convenience of plastic has made it far too easy to make purchases that we might not make if we had to dip into our wallet and make a cash purchase. _ Studies have shown that spending increases as the means to pay for an item becomes easier. In other words credit cards have made buying transactions easier, so we're more likely to buy stuff without concern, until the bill comes at the end of the month! Likewise, new 'pay with a wave' credit cards will make it easier still and foster even more poor spending habits.