I have heard it said that when you spend actual cash, it gives the same sensation as pain! And, man, we are feeling the pain :)
We decided as apart of our new budgeting strategy and new life, we would enlist Dave Ramsey again and follow his envelope system. Simply put, we are cash-flowing our monthly expenses instead of credit card...it is an amazing thing to actually "THINK" about what you are spending..instead of pulling out the card!
Not everyone is on board with this system. We were at Wal-Mart this weekend for some shopping. The people behind us in line were none to happy when we made the cashier ring up our "gifts" separately, our household cleaner separately, our clothings and other items separately. I have a feeling that the cashier has been through this before..because she was very patient with us. But, I tell you this...doing this made us really think about what we were buying and where the money was coming from. We looked at prices...we put stuff back..we actually had to think what we had at home and what we could do without.
We have easily spent $200.00 at Wal-Mart without a thought. By using the envelope system...we spent $20.54 on our gift, $64.30 on our household supplies, and $3.49 on an infant tooth brush.
I would encourage you to make a list...set a budget...and carry cash into any store. You will become very wise to how these stores are trying to get all the money they can..and you'll get wiser on how to keep it for yourself!