If you are doing everything you can to save your money, including following some of our amazing tips, but are still having a little trouble balancing bill payment, grocery bills, and buying that little something extra, get a part-time job. Apply to be a barista at a coffee shop on weeknights or weekends. Offer to watch your neighbor’s children twice a week so that she and her husband can go on a date. Teach singing or piano lessons to neighborhood children. Use that secret talent that you have and try to market it.
If this option is possible for you, take that money and spend it when you WANT that new scarf or decide to splurge on a fancy birthday dinner for yourself and your spouse. Try to save your full-time job’s paycheck, or your spouse’s paycheck (if you are a stay-at-home mom) for bills and other payments. You will feel happier having money in your pocket, and you will worry less. Keep in mind, this still requires you to spend the extra money smartly.