But it’s not too late right?

After I bought my car, I felt like a huge financial burden had been lifted off my shoulders (because I had been saving for about two years) so when 2012 hit I went a little out of control with my spending. I don’t mean going into debt but I definitely was not spending within my means or have been putting money aside to save. Sheesh.

I knew that I had to do something about this so as a way to get into good habits, I’ve started:

1) cashing my money before spending them now so that I work out a way to get by with what’s in my wallet, rather than what’s in my bank account.
2) keeping my receipts when I pay for things and recording my spendings daily in a notebook.
3) thinking ahead – what I am likely to spend money on in a week and working out cheaper options in advance.

I want to keep this up so that I have money to spend when I go on holiday and also to take out my first term deposit ever by the end of 2012.