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Sometimes its good to return of the teenager years of allowances and accountability. I'm very good at spending money without batting much of an eye and need to put a stop to that stat. So my solution is putting myself on an allowance, where I have an actual card that has a set amount of money on it per month and when its out of money then I'm out of money! Of course my card is cute and pink every little bit  of encouragement helps! My husband always says we need to spend less so we can give more, so true.