I got rid of all my credit cards, I mean cancelled/closed. This was a good decision for me as I am an impulsive shopper.
My car is now paid off so I have that money automatically moved over to my savings account each week as though my car payment is still happening. I am not paid in the summer while I am off work so I use these savings to take care of my bills. I have a summer job that is only 20 hours a week at minimum wage which covers groceries and a few other things. I also have $50 every pay (bi-weekly) go into a different account that I call my 'funny money' account. This account is what I use to buy myself something I want, like my last camera lens. My Bamboo pen died and because my tablet is so old I can't find a pen or it's cheaper to just buy a new Bamboo, that is what I am saving for next. . . . .unless the camera lens I want next can be found used at a good price
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I'm single so I only have myself to be mad at when I blow my budget (lately I've been good at it). Trying to get back on track as I am of on sick leave so my income has been decreased.