I recently paid off some credit card debt and am trying to make sure it never happens again. My goal at first wasn't to set a concrete budget but just to learn my own (out of control) spending habits. Since transactions clear overnight I made it part of my morning routine to go through and categorize everything that had posted since the day before, often stuff I forgot even buying. Holidays didn't help but I tracked it all.
Last week I didn't have a single transaction to categorize, so I just went through and checked each of my card accounts to make sure that was accurate and not a syncing problem with the app. Nope, turns out I've spent nothing in over a week. This feeling I have right now will keep me going. Happy New year everyone :)
January 12, 2019 at 10:19AM
