Cutting out every treat often backfires. A set amount of guilt-free spending makes a budget easier to keep.
Ideas
- Give each adult a set amount of personal spending money
- No tracking or explaining required
- Plan bigger treats as savings goals
- Find free fun too: parks, libraries and community events
General educational information, not personal financial advice. The Thrift Ledger isn't paid by any bank, lender or budgeting app.