So my budget is pretty tight.  I know myself when it comes to spending.  On a bad day I can have a "you only live once" attitude ... And away I go spending.  Usually purchasing things I do not really "need".

So I have learned a few things not to do that have helped me:

* I don't look at flyers unless there is something I need ~ & it is usually something for my home

*i try not to just wander through stores.  Only go if I need something

* I don't eat out ~ save it for a special occasion 

* use my PTs ~ Shoppers Optimum, PC PTs and Airmiles (you can now use them as cash for purchases where you collect them 95pts=$10)