Quote from: odunybiz on April 21, 2023, 07:11:54 PM

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👉👉Use cash only
Shopping using card look more convenient and most time encourages you to buy unnecessary things even out of plans. I really observed I spend more money(even more than 20% of my salary) on airtime only any month I load airtime directly from my bank account through USSD. This is so convenient that immediately I exhausted my airtime when calling, I just dial the USSD code to get another. This doesn't help you financially. You get to stop.

For a 100 times I have being to the mall I can say I have for 80 times bought a few more items I never budgeted for before going for shopping. And that's because my debit is handy, but you don't expect me trade my convenience for the sake of the believe that I might save more if I have to go with cash at hand instead of my card.

There certain times that having the card could be a life saver where your cash is exhausted and you just remembered you needed to get something very needful at home. One just have to discipline himself to spend based on scale of preference be it with cash or card. Simple.

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Knowing your Credit and Debit Card Number offhand isn't helpful for you. It makes you shop unnecessarily online. Using cash-only envelope budgeting system can help you minimize your spendings and sticks to budget.

Practically disagree with this part as there's no way you can't have knowledge of your password or card number offhand. No way, except there's a memory problem somewhere.

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👉👉Shopping with a list
This is a lifesaver and a game changer. It’s so simple! Literally, all you have to do is write down what you need in the house that week. Make the list, and stick to it. If you only need to get chicken and vegetables and some pasta at the house for the week, there’s no reason for you to be going to the snack food section. It’s a trap!

Shopping with a list is another wonderful form of mitigating unnecessary purchases items in the market. It's like a roadmap, a route already set to be followed and digressing becomes a bit difficult except in rare cases.