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As much as possible, I need to plot my checklist and see which one should be bought or not. In this way, I can manage the budget plan.I buy in bulk when there are discounts or deals like buy one get one free. I use credit card to get cash back but make sure I pay the credit card bill on time so that I do not have to pay any interest. I also join free loyalty program to get reward points which can be converted into cash when making a purchase.
I am doing all this and glad to know we are similar in many aspects and I hope to find more such ways that can help me save moneyI buy in bulk when there are discounts or deals like buy one get one free. I use credit card to get cash back but make sure I pay the credit card bill on time so that I do not have to pay any interest. I also join free loyalty program to get reward points which can be converted into cash when making a purchase.
If we can control ourselves and not buy unnecessarily then we don't need a budget to make us disciplined and can save without that tooI also don't do the same but I can budget my expenses well. We need self control.
But there are times that I am tempted to buy not from the list and was amused of it, lol. It seldom happened.If we can control ourselves and not buy unnecessarily then we don't need a budget to make us disciplined and can save without that too