This is rather random, but I thought I would share my tips on how to save money while shopping for those who do not have a regular monthly income. I used to put over $100 on my debit card at a time and just swipe whenever I saw something I wanted. I would make lists, but I would always add a couple more items while I saw them. Today, for example, I was tempting to buy cozy socks, slippers, a face mask, and a candy bar. But I was faithful to the following technique:
Before Leaving
Make a list of everything you need. I usually make my lists over the course of a couple weeks. Plan based on what you know you will be running out of soon, like more toothpaste or another loaf of bread. Before leaving, estimate how much things will cost and transfer money from your savings to your checking account. That way, you are forced to not overspend.
While Out Shopping
Only buy what was on your list. If you see something else you may need in the near future, jot it down on another list.
Stores to Go To
Groceries, Toiletries, and Cleaning Supplies: The 99 cent store is a wonderful place to buy most of your groceries! Not-so-fresh fruit and vegetables; frozen food; dry food (notably an entire row of Top Ramen); toiletries, birthday cards, cleaning supplies, packing supplies and pet food! Who would've thought?
Clothes and Misc. Items: At TJ Maxx, you can buy $2 journals and comfy $4 headphones. And at Ross, you can buy three pairs of jeans for under $40!
Back Home
Transfer money back from your checking into your savings account.
Another practical step I have learned is to withdraw the money you will need from your savings account and put it into envelopes--for example, one envelope for rent; one envelope for food; one envelope for the Dollar Store etc.
Before Leaving
Make a list of everything you need. I usually make my lists over the course of a couple weeks. Plan based on what you know you will be running out of soon, like more toothpaste or another loaf of bread. Before leaving, estimate how much things will cost and transfer money from your savings to your checking account. That way, you are forced to not overspend.
While Out Shopping
Only buy what was on your list. If you see something else you may need in the near future, jot it down on another list.
Stores to Go To
Groceries, Toiletries, and Cleaning Supplies: The 99 cent store is a wonderful place to buy most of your groceries! Not-so-fresh fruit and vegetables; frozen food; dry food (notably an entire row of Top Ramen); toiletries, birthday cards, cleaning supplies, packing supplies and pet food! Who would've thought?
Clothes and Misc. Items: At TJ Maxx, you can buy $2 journals and comfy $4 headphones. And at Ross, you can buy three pairs of jeans for under $40!
Back Home
Transfer money back from your checking into your savings account.
Another practical step I have learned is to withdraw the money you will need from your savings account and put it into envelopes--for example, one envelope for rent; one envelope for food; one envelope for the Dollar Store etc.