I rant about this fairly often. Mostly, it’s to remind myself of the importance of having a financial plan. It doesn’t have to be something too complicated. It also doesn’t have to be that far forward looking. Simply making a menu at home for the week will stop you from going to the Grocery store every day. Going to the Grocery store every day is a bad thing. It keeps giving you opportunities to impulse buy stuff that you just do not need. Worse, you may not use them. We are working to a menu and are doing not too bad a job at it. It certainly seems to have slowed our grocery spending, so that is a good thing, in my mind.
Start with a weekly menu for a month, and see how it goes. If that works, then maybe add in a plan for other purchases you are going to make in the month? Clothes? Cars? Gasoline? Trips? Who knows, but just start planning, you will surprise yourself.
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Of course, there are plenty of folks that offer free banking
