Simple budgeting and self deiscipline.

Write down all you have to do with in the month, on the first of every month. Consult your family. Ask your children what their needs are. If there is a hyper active Mis Tenn, check with her. Will she need any shampoo, get, hair oil, some small tit-bits of make up ? Accomodate what you can and explain why you need to push something to the nest month. Look at your social calendar. Any events that require gifts? Traveling? Entertaining? Bills to pay? Make a list and then, manage! Easy for a monthly income earner? No way - but a great juggling act; but Budgeting does help. Shele the creadit card and use your direct debit card. You will have a track of how much you spend and easily manage within budget.