Maybe you learned you enjoyed driving to the beach more than flying with your toddlers for a vacation. Maybe ordering out a few more nights a week was a lifesaver after a busy day. For instance, households used to take their paychecks and divide the money into envelopes earmarked for certain purposes (groceries, mortgage, insurance). Most major cards will allow you to see on your account page just how much you’ve spent and on what. Or toss your credit cards in the night stand for a month and pay for as much as you can in cash; research shows you’ll spend less.

Source: New York Times January 03, 2021 04:30 UTC