TAR­GET YOUR DAN­GER ZONES

Prima (UK) - - Advice For You -

The sim­ple act of hand­ing over money (and with­draw­ing more from the cash ma­chine) serves as an apt re­minder when to rein in your spend­ing. But if you want to tackle one par­tic­u­lar area where you over­spend – say, clothes shop­ping – set a sen­si­ble but re­al­is­tic cash-only weekly, monthly, or an­nual bud­get – and stick to it. ‘If you en­joy a weekly meal out with your hus­band, count­ing out notes and coins won’t stop you from go­ing, but it might make you think about shar­ing a starter or sav­ing that af­ter-din­ner cof­fee for when you’re back home,’ says Jas­mine. ‘Mak­ing small but reg­u­lar sav­ings can add up over time.’ TIP Not sure which one of your spend­ing habits is putting you in the red? Grab a notepad and keep a money di­ary for a week or two, writ­ing down ev­ery sin­gle thing you buy, and you’ll soon spot it.

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