6. PAY WITH CASH
“To help prevent going over your budget, especially when shopping at a mall or store, use cash,” said Daniel Fayette in his one-minute money tip. If your bank account balance tends to get too close for comfort to $0 each month, this is a smart trick to keep your spending on track.
“Having to actually take money out of your wallet or purse helps remind you how much you’re really spending instead of just seeing a number in a bank account go down,” Fayette said. “You can even set a cash limit on your spending by only carrying the max amount of cash you want to spend for the trip.”