If transferring money to savings every time you say no to spending is too broad and out of reach, I have a better idea that may help conquer your biggest spending weakness. I've been throwing away too much money on weeknight delivery and am using my new strategy to cut down on my expensive habit.

Every time I make the decision to say no to eating out or ordering in, I'm using a designated notebook to write down the amount I would have spent. At the end of each month I calculate a total and transfer that money to savings, but those transfers could be made on a more frequent weekly or biweekly basis instead.

When I see my savings grow with the money I would have spent, it motivates me to continue the process and drastically cut the amount I usually spend on my biggest budget drain. Do you think this tactic would help you overcome any spending weaknesses?

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