Near the tail end of my debt journey when I was SO CLOSE to being done, I implemented spending freezes. Basically, I spent money solely in a few predetermined categories:
• Housing and utilities
• Car maintenance and gas
• Medical (doctor’s visits, prescriptions, etc.)
• “Fun money” (which I kept to a strict $100/month)
Umm…and that’s actually it. So for a few months, if something didn’t fall into one of these category, I didn’t spend money on it.
Maybe my memory is just foggy, but I felt like it wasn’t actually that difficult. Granted, I only did this when I was super close to paying off debt and I just wanted that final push to the finish line.