Do you want to manage your money well, pay off debt, build savings and reach your money dreams? A budget is the perfect tool that will help you do all this!

I'll show step by step how you CAN have a successful budget with my free course. 
 YES!! I want a successful budget!

29 Proven Ways to Help You Slash Overspending Now!


Hi there! I bet you are looking for ways to slash overspending and finally be able to stick to your budget, right?  

I’d get this sick feeling in my stomach when I overspent money, especially at the grocery store. What is it about the grocery store that makes you go over how much you were planning to spend??

Back when I first got married, money was really, really tight. Between all the bills of a new household, debt, and paying cash for my husband’s school, there often wasn’t much left over. 

Yet, I found myself overspending again and again! 

When was the last time you planned to overspend? Here are 29 proven ways to help you slash overspending now.

I knew better. I knew that I shouldn’t overspend, but there were always several purchases throughout the month, which caused me to overspend. 

Stressed, frustrated, and worried, I would then have to juggle all the accounts to make sure there was enough money to pay rent. And when I ‘borrowed’ money from one account, I would end up in the same vicious cycle the next month. 

Until I realized I was doing three things wrong with money.

See what those three things were on the next page. Click the Read More button...

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About the Author

Hi! I'm Charissa. I was able to pay off all my debt, pay cash for my husband's education, and build up my savings-all because of using a budget. I love to share all the budgeting tips I've learned with you so you can have a successful budget too! Read more...

2015-07-20 07:14:14
Love these tips! Understanding my 'why' and getting rid of credit cards helps me the most. I still keep my credit card account open but I try not to use most of them at all because I save so much more money that way and I tend to overspend less when I'm actually using my own cash for purchases.
Andrea Velsor
2015-07-21 12:42:19
These are great tips! I have been thinking about making a price book for grocery items and need to follow through on it!
2015-07-20 20:41:23
You always brighten my day when you stop by Chonce! Using cash certainly connects your brain to the purchase and makes you think about if you really need the item, doesn't it? Finding your 'why' and knowing you tend to overspend more on credit cards are huge!
2015-07-21 15:18:44
I never thought about spending only what I have in the wallet. My wallet is generally empty. I have always been a credit card person and managed it well. But I do like this approach. Thanks for the tips!
2015-07-21 20:54:22
Thanks Andrea! A price book would really help you save money by only buying items when they are on sale. I am pretty good at remembering the sale prices, but it would be better if I took the time to write it all down.
2015-07-21 21:01:31
I think I need to interview you Debbie! You have done such a great job handling money and staying out of debt, I am sure you have some awesome tips to share with my other readers. What do you say?
2015-07-22 07:12:48
Do It!!! :)
2015-07-22 07:19:31
I need to ground myself from Target! "Oh, I just need toilet paper…." $75 later, I'm loading the car full of things I didn't know I "needed." My biggest money saving strategy actually started out as a time/stress saving strategy when I had a toddler. My neighbor and I would take turns grocery shopping. We would each alternate our own main shopping trip every other week, and on our "off" week, the other would pick up the things we needed to replenish (usually perishables such as milk, produce, bread, etc). This required some pretty good planning. We planned out a full two weeks at a time when we did our own weeks, otherwise we would end up loading each other up with too much stuff, but it worked amazingly well! You're not spending $$ if you're not shopping! Great tips, as always, Charissa!
2015-07-22 10:20:07
I love the idea of the interview, Charissa! It will be an honor for me. Please feel free to email me for us to arrange things. Thank you very much for sharing this post on #TipTuesday!
2015-07-22 10:21:13
Aren't you a sweetie, Wendy? Thank you for the trust!
2015-07-22 20:10:57
Wendy, your comment made me laugh so hard... oh I just need toilet paper...!! I love your grocery shopping swap idea, fabulous way to prevent overspending by not going to the store, plus all the planning involved. I always spend less when I plan what I am making. Thanks for sharing your tip! Now I need to find a friend to swap grocery shopping with.
2015-07-22 20:13:15
Yay! I am so excited to interview you Debbie, I think you have a lot to share. I'll email you with details.
2015-07-23 11:34:39
Oh wow, there are a mountain of good tips here! I like #4 - be realistic. Sometimes I will write my budget down and it will look too perfect. I know something will always pop up, so it's good to be flexible.
2015-07-23 20:52:17
Haha! I have written my budget out and thought I had a lot of extra money, only to realize I forgot to write down a big item like rent. Boo! Being realistic is such a great tool in managing your money. Thanks for stopping by Kristin! Oh, by the way, I tried to comment on your Ebay article (loved it! And so helpful!!), but I just got an error message :-( and couldn't leave my comment.
Nikki Frank-Hamilton
2015-07-25 11:52:36
Charissa, thanks so much for linking this to "What are you working on?" Wednesday. These are great tips, especially the visualization tips. It's so much easier to tell myself "no" when I can see what I'm saving for, or paying off. Your post will help so many others to work on sticking to a budget, thanks for sharing your knowledge! Hope to see you next Wednesday.
2015-07-26 13:02:33
Hi Nikki, thank you for stopping by! It is much easier to tell yourself 'no' when you have a goal in mind for what to do with your money. When you don't see progress or don't have a plan for your money it is so automatic to say, 'oh well it's just $___, it's not that much'.