I think I’m doing pretty well on the frugality side. I’ve trained myself not to spend money using a card. For my general spending, I have a cash only budget – this is supposed to cover food, entertainment and everything that comes under miscellaneous. For actual purchases, clothes, household items, gadgets and gizmos I use a card. I should really say, I’m loathe to use the card. I hate spending money on it, it feels like I’m moving away from my real goals and so on.
Cash is different though. It burns a hole in my pocket. It calls out to me from the depths of my wallet and says “spend me, spend me”. I go through cash much like I go through water. I don’t know if its the way that I account for it – for tracking spending purposes, I consider it spent the moment it leaves the cashpoint. Maybe its that the categories for which I use cash are just my weak spots, and I would spend more on them regardless of mode. Or perhaps its that using cash for all my small purchases makes them feel trivial, and ignores the fact that a lot of little amounts tend to add up to a big amount.
Regardless of cause, I’m always running out of cash at the end of the month and I’d like your suggestions, ideas and examples on how I could improve things.
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