It’s my 2 year anniversary since I broke up with my debit card. I LOVED my debit card however I was using it too much and took it for granted. It was a one-way street. I used it and it gave me nothing but a false sense of feeling that I had money. I was just too darn preoccupied to write down every purchase and that in turn led me to “over spend”. In fact here’s what my check register looks like:
That’s awful I know. Hey, just because I work at a financial institution doesn’t mean I’m “St. Finance” and keep a register. I’m just too distracted by the 6 year old doing the potty dance or the guy behind me in line who’s eyes are digging into me because he’s in a mad rush to write anything down. I did however need to come up with a solution because it’s unacceptable to be totally irresponsible in regards to my finances. Other things yes; finances no. So I went back to basics. I now only have cash; cold hard cash. It helps me stick to a budget and keep me on track with exactly how much money I really have. I give myself an allowance each week (don’t laugh) and if I know I can’t go over it then I won’t. I leave money in my account that will pay my bills for the month and take the rest out; that’s my spending money. I divvy it up for how much per week I have to spend and keep the rest in a safe place waiting for next week. (Where you ask do I keep it? NICE TRY! I’ll never tell!) I have to say so far it works very well for me. It’s pretty elementary but it seriously works. Try it. And because my curiosity gets the best of me let me know….do you use a register? If you don’t how do you keep your account balanced? Or do you? Its ok we’re all friends here…
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