Document your spending. I think it’s very important to account for your money and everywhere it goes. Having a budget has changed my life (although I still sometimes fail at it). It doesn’t mean you can’t buy what you want, you just have to budget for it and you can’t have it until you have saved for it. My family even has a gift budget. So, that means we put aside so much each month for gifts. Some months we don’t buy any gifts, and some months we are overwhelmed with gift giving, but since we're setting aside a certain amount each month, the money is there when we need it.
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