Need to improve your spending in 2013?
Overspending is a very common problem. It's really easy to spend more than you should.
A few little "extra" purchases here and there will quickly add up.
The obvious solution
A simple rule of thumb can make all the difference: Don't spend money you don't have.
But that can be harder than it sounds. It's awfully easy to lose track of what you've spent.
Consider the right timeframe
One budget for the whole month probably doesn't make sense. Some expenses occur every paycheck. Others occur weekly basis.
You should plan each expense on the timeframe that makes sense. By breaking up your budget this way, you help your mind make better spending decisions.
Cents don't make sense
If you're tracking expenses down to the penny, you're probably doing it wrong. Very few people are overspending by less than a dollar.
Keep it sipmle. Round up to the nearest dollar, and you'll be fine.
Don't track everything
You may not need to track every single purchase. Focus on the areas of spending you have the power to change.
Think you can save money on eating out? Great! Pay attention to those purchasing decisions. Are some of your utilities more or less fixed costs? Don't clutter your everyday budget.