A. Over the years, we have found that one of the best ways to stay on budget is to use cash for those categories that are discretionary - or you have the ability to spend whatever you want on. Some of these categories include groceries, dining out, personal allowance, and clothes.
But we often hear in our REALIGN classes that people don't like the idea of carrying around a ton of cash. They either feel like it isn't safe or they are afraid that they will lose it.
If this is you, then we encourage you to purchase a gift card for the stores that you normally shop at for groceries.
For dining out, you can still use gift cards, by purchasing a card from a store like Walmart or Target. However, you want to make sure that these gift cards don't allow for overdraft charges.
If you are having a tough time with cash or the gift cards, then it is always an option to go back to the bartering system! Then you will really know what you can or can't spend. But I hear fur isn't going for much these days.
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