- Credit Card
- Real Estate
I want to start being more sensible with my money, this is especially hard around payday when I receive a month’s-worth of pay at once.
It’s all too easy to go for a couple beers after work only to end up staying out all night and being over £100 worse off the next day.
I tend to leave my debit card at home these days, and withdraw cash once per week. But from my experience this is only about 95% foolproof… sometimes I’ll just end up risking taking my card out with me for convenience (and regret it).
Another idea is to set up an additional bank account and get all my wages paid into that, and set up a weekly payment into my personal account which I can then live off each week… but there’s that risk of me simply logging on to my online banking and transferring extra cash over if I cave in.
Is there any kind of foolproof way to get around this? It must have been so much easier to save money a couple decades ago when your money wasn’t so easily accessible.