The money envelope system has been around for years, and it’s an incredibly motivating and powerful way to keep spending in check. You can use this handy guide to understand and implement the money envelope system in your household.
Overspending during the holidays is easy…and even easier when online retailers deploy every tactic to get your attention. Here are 8 ways online retailers push us to overspend.
1. They offer free shipping… with a minimum purchase.
When retailers offer to sponsor shipping costs if you spend $50, they lure you into spending more.
2. They make it super-easy to check out.
Websites make their checkout process ridiculously easy to keep you from overthinking your purchases and opting out.