The Financial Diet

So you made the first few steps to setup a budget and to live by it.  This is exactly like a diet to trim a few pounds.  You have to do everything in moderation whether it will be spending or saving.  You just can't quit cheeseburgers and expect not to splurge.  So I recommend taking it easy and not going all out so you get burned out and max out your credit cards.  Set aside some spending money each month so you can still go out and enjoy yourself or buy a few things you want.  This will help keep you from spending more than you needed to.  Read back and maybe think about using the envelope method to help keep this under control.  Spending cash is easier to manage than swiping a card even if it is a debit card.