make a budget and stick to it

So, I actually wrote out what I think that I spend money on for the month of October. And I’m keeping track of all of my spending for the entire month to see how I actually spend money. Then I will see how accurate my views of my habits actually are, and if what I think that I need to make to live on is really what I need to make. I’m also not allowed to use my credit cards at all this month. I have a feeling that I charge things becuase I’m worried about money, but then just end up paying the same amount as I charged on the bill and then never getting anywhere on paying off my debt. Bad cycle. So, it’s also a good exercise in seeing if I can afford my lifestyle right now.