Something I’ve been considering for a while has been budgeting for gas/groceries/”other” with cash. Currently each pay day I transfer my budget for groceries and gas onto my Visa and use it for my purchases. The flaw in this system is that I still use my Visa on a weekly basis, a habit I’d really try to break.
Beginning in January I’m going to withdraw in cash my budgets on pay day for these categories and track it for a few pays to see how effective this is for stopping my Visa usage. I’m also very excited to start reading Money Rules in January and writing about each chapter. Hopefully I don’t bore anyone too much!
Check back on the 18th for my debt check in :).