SOA and Diary of a Former Debt Denier

I found that when I needed to reduce my grocery bill I took out the cash first and stuck to that per week, instead of using my debit card, this really worked because if made me think twice before putting any un-necessaries into the trolly. I would always carry my card as back-up but never actually used it, any funds over for the week were put straight back into the pot ready for next week. This actually helped, albeit it fiddley. Although I love my debit card, it really is a nightmare because when you hand over cash, you know exactly where you are, there are always nasty surprises with your debit card, even the following day when you check your account, there is something you forget.