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Dave Says
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Consider going back to cash for better control over spending. Budget carefully and assign every penny a purpose to avoid overspending. It’s Worth the Sacrifice Dear Dave, I switched to a debit card so that the money I spend comes directly from my checking account. But I still have a problem some months with overspending and buying things I shouldn’t. Do you think I should stop using my debit card? Debbie Dear Debbie, When I made the decision to get intentional with my money, I just used cash. It’s hard to spend it when you don’t have any on you. It’s a tough thing, I know, but you have to make a conscious decision to start living differently. You’ve got to get mad at the things that steal your money a dollar or two at a time enough to take action. Try looking at your life as a whole, not a moment at time. All the moments you’re living right now will have either a positive or negative effect on your future. I decided I wanted the greater, long-term good, so I gave up on the short-term stuff. Debit cards are great tools. You can’t spend money you don’t have with them like you can with a credit card. But you’ve still got to budget very carefully for each month, and give a name and a job to every single penny of your income. Otherwise, you can still overspend. - Dave |
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