Could you live a cash only lifestyle?

Unless you pay your credit card balance in full every month, it seems mad to use it for every day purchases. Switching to cash for your day to day shopping is the right answer. It helps you stick to a budget and stops those impulse buys at the supermarket. Take this into consideration. If you withdraw $200 for your fortnightly shopping expedition you aren't going to easily go over the amount you have in your purse and you'll be more aware of the items you put into your trolley; costing it out in your head as you go.

Living with cash will also help you sift out what you need and what you don't. Giving yourself an 'allowance' in cash each week and leaving the plastic at home will curb your spending habits. It's hard to do but very well worth it. And like everything, it does take some getting used to. Keeping your family budget under control is all about planning and discipline.