[disneysteve]

I think there are a few things you can do.

1. Make savings automatic. Have money deducted right from your pay to a savings account if possible. If not, then have it pulled from your checking account. If you don't see the money, you are less likely to spend it.

2. Don't shop recreationally. In other words, don't go to stores or malls just for the heck of it. Only go into a store when there is something specific that you need. Leave your credit cards and debit card at home. Only take enough cash with you to buy the items on your shopping list for that trip. You can't make extra purchases if you have no money.

It may also save you money to shop at convenience stores. I know that sounds backwards. Convenience stores charge more for everything than the major retailers, but if you are the type to walk into Wal-Mart for a bar of soap and walk out with a cart full of merchandise, you'd be better off going into 7-11 for that bar of soap even though it will cost more than at Wal-Mart.

3. Save all your receipts. If you get home and develop buyer's remorse, go back to the store and return the item.