Getting Started

Pick 2-3 categories to focus on, preferably categories that you have concerns about. Eg:

Put the amount you have budgeted for each under the categories. Eg.

As you spend money take the amount out of the category, rounding up to the nearest $5.
Make change as necessary. Eg:

Day 1: You spend $62 on groceries and $4 on a movie rental

Day 2: Fast food dinner out

Other Ideas

• Reward yourself by keeping the left-overs. Eg If you are trying to control your Dining Out expenses and have $10 left at the end of the month you could save that money for a nice dinner out later.
• If you run out of money in one category you can punish yourself by moving money from another category
• Add categories as you get others under control.