A wise man taught me a concept that many ignore. Our wealth has TWO components: what we earn AND what we spend....
Spend it on PAPER first....
Stay out of the stores....
Shopping is a hobby MOST can't afford
Grocery shopping....
NEVER go hungry!
Go with a list and STICK to it.Wait until you have to go.
If you can't EAT it, don't buy it!
Use cash....It's harder to let go of....
Learn the envelope system....
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