Bad spending habits. Spending too much: Top Rated

Free Budgeting Software | Free! Sign Up | Contact Us

Spending too much money? Finance is in a mess? Welcome to the budgeting community.

Quick spending calculator. How much money you spend on Smoking?
Number of times a week: The amount you spend each time:

Categories

Top Rated
Last Updated
credit card
shopping
alcohol
smoking
eating out
clothing
coffee
cosmetics
gambling
books
gadgets
Pets
Family
insurance
Vacations
furniture
loans
debt
household
overdraft
college

Free Credit Report
Financial Planner

ladyof4 is budgeting and not saving money on: Things that I buy at Target that we dont really need.		1
kerrys budget: dont go to target 21/02/2010 00:26 st john xxx: Driving to too many stores. 15/02/2010 18:44 laur: stay out of the store or if you have to go in only buy what you have written on a list before you entered the store. 11/02/2010 21:14 kimmie: OH I LOVE TARGET AND I DO THE SAME THING. I GO AHEAD AND PUT IT IN THE BUGGY. THEN IF I SEE SOMETHING ELSE I PUT THAT ITEM BACK AND PUT THE NEW ONE IN THE BUGGY. ALL OVER THE STORE. THEN I ASK DO I REALLY WANT TO PAY X.00 FOR THAT ITEM AND DO I REALLY NEED IT. 09/02/2010 05:08 VannJo: Take a look around your home and see what you really need. Look for the sale circular, or if you have access to the internet. Browse there first. MAKE a list.. and stick to it. 06/02/2010 05:16 JohnandLyssa: Try to stay away from target or maybe only go once a month and give yourself a limit as to what you can spend - something that fits in your budget :) 05/02/2010 08:30 View all comments

ladyof4 is budgeting and not saving money on: Things that I buy at Target that we dont really need.		1
kibbzy: , its the emotion that gets you on this one, shopping makes you feel better, so lets look at why you are in the shop to begin with, to be social? or just to look like you've got the money to shop?, what ever it is there is always an underlying issue that your trying to cover up with over spending and buying gifts for your family, you love them, but you need to think of healthier ways of showing them you care. 03/02/2010 05:35 moneykeeper: Check the weekly circular for sales on things you need or even like. Then circle those things and create a list of those things. that helps me stay focused on the things that are really important to me at the time of the sale. If you realize that you purchased things necessary you can return them if you keep the receipt and return the items within the return period. I put the receipts inside a box a shoe box. I hold onto them for about a month after the purchase date. I wish you the best! 02/02/2010 16:36 moneykeeper: Check the weekly circular for sales on things you need or even like. Then circle those things and create a list of those things. that helps me stay focused on the things that are really important to me at the time of the sale. If you realize that you purchased things necessary you can return them if you keep the receipt and return the items within the return period. I put the receipts inside a box a shoe box. I hold onto them for about a month after the purchase date. I wish you the best! 02/02/2010 16:36 Budget: Take them back! 31/01/2010 01:57 danieltooley: dont buy crap you dont need 30/01/2010 02:50 nikki: go to target with a list of things you really need and if you see something you want ask yourself, do I need this? If the answer is no, put it back! 23/01/2010 23:46 View all comments

ladyof4 is budgeting and not saving money on: Things that I buy at Target that we dont really need.		1
teenyk: Make sure you go with a list of things you want to buy and stick to that list 23/01/2010 11:14 kjcrowl: Only take enough cash to buy what you need, and leave any credit cards, check books, or bank cards at home. This will limit the funds you have to spend. 20/01/2010 20:16 mike: try not to visit. if u do take a small amount of cash only 20/01/2010 08:39 chuck: keep the receipt and return it 19/01/2010 04:34 aaron: stop shgopping at target 18/01/2010 07:56 robbie: Stay out of TARGET! Reward yourself everytime you don't go to Target 14/01/2010 00:42 View all comments

ladyof4 is budgeting and not saving money on: Things that I buy at Target that we dont really need.		1
rllongan: Stay out of Target! 10/01/2010 06:50 charm: Make a shopping list and stick to the list. Decide if what you are getting is a need or a want. All wants don't go in the basket 04/01/2010 06:03 dribbles: need and want are 2 very different worlds 02/01/2010 16:01 Bundygirl: Have a set amount of money you allow yourself to spend for the week and stick to it. 01/01/2010 15:03 sarah: Make a list each time you go and only go to those sections of the store. 31/12/2009 23:47 sonya: Make you a shopping list and stick to it. It is the only way that works for me. 31/12/2009 02:02 View all comments

ladyof4 is budgeting and not saving money on: Things that I buy at Target that we dont really need.		1
KatiRae: Don't go to Target. 29/12/2009 07:06 twinkles: MAKE A LIST BEFORE YOU GO TO TARGET FOCUS ONLY ON THOSE ITEMS 24/12/2009 18:21 Dave: Comparison shop for items at various stores Target is not always the cheapest on prices. 12/12/2009 22:27 Koala: Don't go to Target for a long time if ever. 07/12/2009 08:27 Jennifer: Don't get things that aren't on your list or in your budget. Set aside any extra money from another category as fun money to go to Target with to get whatever you want. 05/12/2009 05:52 figure out a budget and how much the items cost then only bring that amount of cash. It really works. My motto is when the cash in the envelope is gone its time to stop shopping. 04/12/2009 10:37 View all comments

ladyof4 is budgeting and not saving money on: Things that I buy at Target that we dont really need.		1
Cespinoza: Make your trips to Target only once a month and go with a list! Also, if you know you're going to buy random things. Make a small allowance for that and save up for the big stuff! 07/11/2009 03:31 gqstunning: Make a list of stuff u need and stick to it 02/11/2009 16:57 kimba: Limit the days you go shopping, stay at home and catch up on reading, house work, chillax time. 02/11/2009 08:14 jfraser05: I do the same thing with Walmart!! I suggest staying away from the store, thats all that works for me!!!! 31/10/2009 16:40 MAC: Got to a regular grocery store instead. 29/10/2009 23:01 Tomanda: Try to avoid going to Target unless it is absolutely necessary. If you see something you want at Target, take the time to look for it at another store at a cheaper price. 26/10/2009 17:05 View all comments

ladyof4 is budgeting and not saving money on: Things that I buy at Target that we dont really need.		1
Steveo: you need some stimulation, sounds to me like you are bored, read a book 26/10/2009 03:07 bassplucker: list what is needed and use it as reference. 25/10/2009 21:11 Emily: then don't get them. 23/10/2009 21:48 meggan: only bring a certain amount of money with you to the store for what you do need.. that will stop you from over spending 24/09/2009 19:41 Cat: WHY??? why would u hurt your family like that??? Save that $$ and go on vacation!!! 12/09/2009 08:58 happydude_69_joe: Don't shop there anymore. I had the same problem with WALMART and there ROLL BACK signs . Guess what it will still be there when you need it 09/09/2009 03:39 View all comments

ladyof4 is budgeting and not saving money on: Things that I buy at Target that we dont really need.		1
Helena: Make a list. If your issue is with cheap prices at Target, stop shopping there and avoid the place completely. Ask someone to do the errand you need and give them the money for that one item. Perhaps look into the deeper reasons why you are being a shop-a-holic or doing brainless spending....sort of like brainless eating....isn't it? 09/09/2009 00:48 swineflu_cca: then dont buy it 09/09/2009 00:26 budgetjunky: use this budget! 07/09/2009 23:07 markadams8118: Cut it in half 24/08/2009 04:09 Baby_Pet: You may want to try and have a family meeting where you discuss and agree on what things are needed. Make a list of these things and make a commitment to buy ONLY what's on the list. 21/08/2009 04:30 mapetit: Assess your real needs rather than creating fake ones, that is why sellers make such good living 19/08/2009 21:07 View all comments

ladyof4 is budgeting and not saving money on: Things that I buy at Target that we dont really need.		1
lolcrazy5: avoid Target, and if you go there you are not aloud to buy that day 24 hour rule, or have someone you have to ask. 17/08/2009 23:44 ammccarter: Don't buy them, or use cash and leave the card at home, then you can only buy what your budget will allow. 06/08/2009 12:44 Phenixx: Write down the things that you need and the prices. Then take only that amount of money. No debit or credit cards 05/08/2009 09:42 Beautyfull: Make a list before you go in. Only buy the things on your list. Keep your list in your hand to remind you when you think about buying something that is not on your list. If you do find something that you think you need, write it down for your next visit avoiding the impulse buy. 29/07/2009 01:20 Kendra: Don't buy immediately, go home and sleep on it. Get it only if you can't deal without having bought it the first time. 26/07/2009 20:12 dee: I do this. Target is a money pit. 23/07/2009 04:34 View all comments

ladyof4 is budgeting and not saving money on: Things that I buy at Target that we dont really need.		1
Britt: Stop going to Target. Make yourself a list of the BARE essentials, give yourself $50 and stick to it. 10/07/2009 02:34 Candice: Make a list BEFORE you go, and don't allow yourself to buy anything that's not on it! 08/07/2009 20:33 harmoney29: Ask yourself if its a need or want , or give yourself a day or two to think about it, usually by that time you realize its really a want not a need 07/07/2009 22:12 J J: I spend to much money on my credit card 07/07/2009 05:54 JayzBud: Stay away from Target 04/07/2009 05:45 Peter: Do not shop without a shopping list from which you do not waver. 01/07/2009 13:11 View all comments

ladyof4 is budgeting and not saving money on: Things that I buy at Target that we dont really need.		1
Sego: muffin, crispy, sweets 30/06/2009 11:47 tina: don't carry around any cash to buy these things 28/06/2009 13:07 Quincy: Don't go to target unless with someone who is aware of your needless spending and can remind you "you don't need that....you need your money more".... 24/06/2009 22:05 Ahmed: NO IDEA 21/06/2009 23:45 bethany: He spends money on smokes We go out usually when we have no money 19/06/2009 19:10 View all comments

Spendless is budgeting and not saving money on: Fast/Junk food		1
lala: We spend around 400.00 per month 12/02/2010 19:39 nikki: cloths 11/02/2010 18:23 VannJo: Had the same issue, especially with kids. You can buy a box of burgers and pack of fries, hot dogs at the supermarket. You can have fast food several times a week only paying once. 06/02/2010 05:17 jenn: set buget for the fast food. 31/01/2010 08:09 hchy: coook home cooked meals once a week 18/01/2010 10:38 yoshi28: bring you own Lunch ! 17/01/2010 22:12 View all comments

Spendless is budgeting and not saving money on: Fast/Junk food		1
Make snacks of fruit and veggies and take them with you. More nutritious less expensive. 16/01/2010 23:23 robbie: carry snacks with him 14/01/2010 00:29 scooter: do a big cook up on the weekend, place food in separate containers and put in freezer. when you cant be bothered cooking, take the container out of the freezer and zap in microwave, wala, no cost, healthy, and if its in a plastic container, throw it out for easy no dishes or wash and reuse to cut down on restocking containers. This is a good thing, especially if you're single and you come home from a hard days work and can't be bothered cooking a whole meal just for one person. 11/01/2010 13:15 roch: bring luch from home or cook at home 11/01/2010 00:00 Vinni: Cigarettes 10/01/2010 05:36 alorca: Buy groceries and make lunch, etc. at home and take them to work... 07/01/2010 18:05 View all comments

Spendless is budgeting and not saving money on: Fast/Junk food		1
kensey: try making your own snacks at home 06/01/2010 17:08 robshow: take my lunch to work 05/01/2010 17:22 charm: When grocery shopping, add healthy snacks to your list. 04/01/2010 06:01 nicole: make ur own more work & by the time ur done you won't want to even eat em 04/01/2010 02:25 sonya: No advice here. I have the same problem. 31/12/2009 01:59 Lisa: this is my struggle - I plan on preparing sandwiches, snacks the night before to grab and go in the morning. 30/12/2009 22:16 View all comments

Spendless is budgeting and not saving money on: Fast/Junk food		1
tonyandmary06: Stop going out. Send the money on food you have to cook at home 22/12/2009 10:51 liddy17: Go on a diet 10/12/2009 08:51 londa: buy healthy snack foods with lower calarie 05/12/2009 16:22 lorenda: I started spending time every weekend making casseroles. I split them up into "meal-sized" portions and freeze them. This makes for a VERY easy dinner during the weekdays when I am tired and feel like I just can't muster the energy to "make" dinner. Also, I keep snack sized bags of non-perishable foods in the car and some fruits. This stops the temptation to go to a drive-thru when the kids are hungry. I've found some great protein bars for quick breakfasts, too (our family likes the Clif Builders Bars - 20g of protien). They are under $2 a bar and are a great meal replacement. 24/11/2009 01:15 Jacque: It is so hard to do when you work full time and your kids are involved in everything. I do find that making meals in advance and using the crock pot save alot of money and more nutritious and filling. 19/11/2009 18:56 katielogan: eat before you leave the house or take food with you 15/11/2009 16:29 View all comments

Spendless is budgeting and not saving money on: Fast/Junk food		1
shilohrebecca: because your fat 13/11/2009 00:20 Gorgeous: just say no 09/11/2009 07:14 Steveo: richard simmons can be your guide to losing weight, for getting smart with money try imaging yourself renting for the rest of your life or if you own a home imagine yourself renting 26/10/2009 03:15 Steveo: smarten up, its bad for you, make you fat 26/10/2009 03:05 aurora: hiring workers 21/10/2009 12:55 joel: go shopping one a week for food 25/09/2009 13:07 View all comments

Control your financial future. Free budgeting tool

Spendless is budgeting and not saving money on: Fast/Junk food		1
meggan: learn to make your junk food at home.. it will porbably be less calories as well 24/09/2009 19:44 antbfg: my oldest son told me that thick shake milkshake has chicken fat in who wants to drink that. fantastic. 22/09/2009 22:08 Baby_Pet: When planning out your budget for the month, assign an affordable amount for Fast/Junk food, and be determined to stick to it. Be reasonable. Don't totally deprive yourself. 21/09/2009 14:41 Hallowheart: Dollar Menu 15/09/2009 19:05 go on a diet 14/09/2009 21:33 it is hard but just say no come up with a meal plan and stick to it 14/09/2009 05:22 View all comments

Spendless is budgeting and not saving money on: Fast/Junk food		1
dont stop at these places 14/09/2009 04:51 edrhoades85: There is only one solution try to eat out less 10/09/2009 03:29 wafiyah: stop make your own 10/09/2009 02:34 mdiggs1: true 09/09/2009 17:38 Helena: Throw away the junk mail that advertises them so you minimize your cravings. Leave your money and plastic at home if you are running an errand, or only carry enough cash to do your errand so you can't go to the fast food place. 09/09/2009 00:46 skippy: do ya own cooking at home 06/09/2009 09:04 View all comments

Spendless is budgeting and not saving money on: Fast/Junk food		1
skippy: do ya own cooking at home 06/09/2009 09:04 zodiac: eat healthier or get junk food from wal-mart instead of gas stations or convienience stores cause they charge way more. 05/09/2009 22:18 sophiensarah: cook more often at home. 03/09/2009 07:30 sophiensarah: cook more often at home. 03/09/2009 07:30 kp: buy fruit with groceries it can satisfy your sweet tooth. As for fast food, eat out only once a week. 02/09/2009 04:17 illise: no more junk food 01/09/2009 19:03 View all comments

Spendless is budgeting and not saving money on: Fast/Junk food		1
gwynetta: eat something at home before you leave the house 01/09/2009 08:00 brenny: going out 31/08/2009 03:35 Sonia & Eddie: DONT GO TO THE STORE HUNGRY 28/08/2009 23:22 Cris: Take out cash. Make sure you only use that amount weekly for fast food. It'll start to hurt when you see you have to break a twenty for a bag of chips, then break a five for a soda that's 1.09, then break a ten for a burger combo that's 6.34. you'll see how fast it goes on absolutely nothing. 05/08/2009 08:23 Thriftyspender: Try to cook more at home and have quick snacks to grab on the run if time is short. 04/08/2009 17:54 p_smith: Utillize will power, stop making excuses to yourself, and stop buying the crap. If you want to be healthy and save on your budget, be an adult and do something about it. To complain about a problem you have and do nothing about it is dishonorable and petty, and wastes everyone's time. It is a juvenile practice to adhere to. 30/07/2009 06:39 View all comments

Spendless is budgeting and not saving money on: Fast/Junk food		1
Reviara: try eating at home with a new cook book! 27/07/2009 02:11 Rebecca: wal-mart and casinos 23/07/2009 21:49 lala: BUYING INGREADIENTS AND MAKING YOUR OWN JUNK FOOD THE WAY YOU LIKE IT IS CHEAPER 15/07/2009 10:10 span: pub 08/07/2009 10:40 buttercup: Make a peanut butter and honey sandwhich...whole grains are great for you, pb has protein and honey is rich in anti-oxidants 06/07/2009 13:10 krys: Go back to basics. Discover "slow food" it's great and more easy. P.S. depending on maturity of course 04/07/2009 03:29 View all comments

Lost in the financial jungle? use a Free budgeting software

Spendless is budgeting and not saving money on: Fast/Junk food		1
tertle: Shop off the dollar menu 30/06/2009 18:03 Sego: Junk food during breakfast & Lunch 30/06/2009 11:46 Quincy: Take whatever you spend on fast food and match it dollar for dollar into a savings account....if you don't have enough money to match it, you shouldn't spend it either. 24/06/2009 22:12 LetsFly: Live healthier... 22/06/2009 13:14 medicmichelle: make a menu for meals and stick to it 19/06/2009 21:42 Beni: I make all our lunches. I do the cooking part on the weekend then I make the chicken burgers or salad on the morning that I need to. Other than that, we take leftovers from dinner to work for lunch. It's healthier and a lot cheaper 19/06/2009 14:09 View all comments

Spendless is budgeting and not saving money on: Fast/Junk food		1
yaarit: At least take more salads and something healthy :) 13/06/2009 11:32 champagnetaste: have the foods you love at home. some good comfort food. purchased from a discount store 11/06/2009 23:04 Sparkygirl: Plan ahead and try to buy larger qantities of snack items and portion them. You save money because you aren't buying individual packets of chips or snacks and therefore not paying the individual prices. It would probably help a bit with portion control so that you don't over eat on the junk too! 09/06/2009 19:39

Norman is budgeting and not saving money on: Food - take outs Coffees in everyday life Small things but mainly food		1
Luke: Do a meal plan every week to set in stone what to buy 21/02/2010 05:24 chase: make your on coffee and take snacks with you instead of buying them at stores one at a time 20/02/2010 06:25 gottasave: Cook your own..Using the take outs' menu. Make your own coffee. Use your own menu for shopping. 19/02/2010 21:11 meatloafkend: We spent too much on food too. Just try to think ahead before the morning. Buy food that is easy and convenient like Lean Pockets 15/02/2010 04:16 laur: stay out of the places where it is easy to spend money on food. 11/02/2010 21:12 sissy: Try to eat at home. 11/02/2010 06:36 View all comments

Norman is budgeting and not saving money on: Food - take outs Coffees in everyday life Small things but mainly food		1
Ebg_1011@yahoo.com: you need to pack luch every day. may once a week get take out 07/02/2010 22:00 VannJo: Get a coffee pot for home 06/02/2010 05:09 raerae: you can buy coffee and makit them at home buy syrups and stuff and make cofffee at home it really adds up 04/02/2010 01:43 Budget: Make coffee at home & put in thermos. Buy bulk and put smaller quantities of food in ziplocs. 31/01/2010 01:51 lion heart: Make coffee at home. Plan a weekly menu, including lunches and shop weekly for the groceies. Allow yourself one night for take out. 31/01/2010 01:30 yreyes20: Start making coffee at your house and cook regularly 22/01/2010 04:16 View all comments

Norman is budgeting and not saving money on: Food - take outs Coffees in everyday life Small things but mainly food		1
mike: take time out to prepare meals. time is money 20/01/2010 08:39 faithful: Pack lunches etc. 13/01/2010 16:49 Jill: brew at home 12/01/2010 04:59 Kanisha: Carry instant coffee with you. 09/01/2010 01:28 caihpos: use a reusable mug and brew own coffee at home before leaving for work. If you run out of time, still use reusable mug because it's usually cheaper and you're saving the environment too. Pack a lunch. Make a lunch the night before (or morning off) or pack leftovers if you have a microwave at work or use a thermos. 08/01/2010 06:05 beckey: make coffee at home 08/01/2010 05:08 View all comments

Norman is budgeting and not saving money on: Food - take outs Coffees in everyday life Small things but mainly food		1
Debbie: Buy a nice bottle of wine, go home put the t.v. on in the kitchen, and start cooking your meals...take lunch to work from your home..but mainly enjoy the cooking and the time by yourself if possible 05/01/2010 07:54 Samberly: For $90 you can get a Keurig one-cup coffee maker and brew yourself something as you need it. The cost for the coffee is much less than Peets or Starbucks 05/01/2010 02:05 Beka: Cook up large simple meals that you can freeze. People overspend on take away because they are lazy or in too much of a hurry to take the time to cook at home. Coffee to me is an indulgement. It is like smoking. give it up. I did and now dont even miss it :o) 03/01/2010 07:24 Bundygirl: Buy a travel mug and make one before you leave home and take a jar of coffee to work to make your own 01/01/2010 15:01 tuvio2: The answer is simple: bring your own food to work, cook every day at home 31/12/2009 06:38 Radders: Diet!!! 21/12/2009 22:18 View all comments

Norman is budgeting and not saving money on: Food - take outs Coffees in everyday life Small things but mainly food		1
rhonda: Start packing a lunch 20/12/2009 20:23 justmejo-d: Set the coffee pot to make coffee before you wake up, and purchase some goodies at the begining of the week to take along each day 17/12/2009 20:32 Bert: bring his on lunch to work and his own coffee and eat out only once a week 28/11/2009 00:51 wldhog: Pay credit cards off Quit cigs 16/11/2009 07:41 jewel: I have the same problem. I think we are buying convenience. It's just a high price. Give ourselves a weekly cash allowance. 04/11/2009 07:41 jessica: Pack your lunch. I pre-pack cottage cheese and pineapple everyday for lunch. It holds me over till dinner. 28/10/2009 06:04 View all comments

Norman is budgeting and not saving money on: Food - take outs Coffees in everyday life Small things but mainly food		1
Steveo: go to a grocery store, sounds to me like you are lazy 26/10/2009 03:16 shoe: call into a supermarket on your way home buy some meet an veg 30 mins 2 cook saves u mony and its better 4 u. 23/10/2009 19:48 Jasmine: make a shopping list 03/10/2009 19:10 Jasmine: Make coffee at home 03/10/2009 19:09 FOOD-TAKE OUTS 30/09/2009 19:14 gigi: make coffee at home and buy groceries and cook 29/09/2009 02:38 View all comments

Norman is budgeting and not saving money on: Food - take outs Coffees in everyday life Small things but mainly food		1
broke: gotta have coffee , its money well spent 23/09/2009 02:32 I have started making a list of my favorite foods to get from resturaunts. Then i find out how to make those things & buy the groceries to do so. Not only am I spending less money but I am having fun and eating less because I can portion my sizes 22/09/2009 23:07 bobbi: buy a thermos and pack your lunch 20/09/2009 05:56 Melrose218: bring own food, and coffee cut out nothing things 18/09/2009 16:44 make a meal plan and stick to it make a menu for breakfast lunch and dinner every day and just buy that 14/09/2009 04:50 wafiyah: buy coffee maker and try new recipes make yourself 10/09/2009 02:36 View all comments

If your credit card debt is killing you and your household budget is in a mess -
It is probably a good time to start budgeting and get your finance under control.
Start budgeting with the Free Budget Planner
Create your household budget, control of your financial future, start saving money.

Request your free annual credit report

About Financial Planning

Debt Elimination Tips