A) my tax refund goes straight into savings - thats a given.
B) Put the ATM/Debit Card/ My Life into my lock box.
C) Take the Credit Card from the lock box and put into the "other compartment" of my wallet where it will be out of sight, out of mind but there in case of an emergency.
D) Use only cash. Set a certain amount for the week, put the rest in the lock box. Once it is gone, its gone.
E) The rest of the pay check goes untouched (except for bills) in the bank.
I'm going to start this Friday - the weekend will be a challenge. Will post results.
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