If you are trying to cut back on spending but don’t know how, it is time to try some fresh ideas.

Realizing you have a spending addiction is a good first step. But what really matters is what you do about it. Cutting back on spending can be easier said than done. Try one of these creative tips to keep yourself from overspending in 2015.

Freeze Your Credit Cards

We have all been warned of the dangers of credit card debt. The best way to rid yourself of a plastic swiping habit is to stop carrying cards around with you. You can make credit cards as inaccessible as possible by freezing them. Literally! Fill a bowl halfway with water and let it freeze. Place your cards in the bowl of ice, add more water, and freeze again.

Pay Your Bills Before You Go

If you are heading out with friends for the night, pay bills or balance your checkbook before you leave. Seeing the reality of your finances right before you leave can help motivate you to spend less or nothing at all.

Cancel Emails and Catalogs

Email blasts from your favorite retailers offering exclusive deals and sales are designed to tempt you into browsing their website. Unsubscribe to emails from retailers and ask to be taken off their catalog mailing lists. You will never miss a sale that you don’t know about.

Focus on Your Goals

If you are trying to cut spending to save up for a house, pay off debt, or just to save more in 2015, stay focused. Whenever you are tempted to reach for your wallet, reflect on your goals and how happy you will be when you reach them. Don’t let instant gratification throw off your plans!

Milledgeville State Bank wants to hear about the creative ways you keep yourself from overspending! Stop by our office to talk with our friendly staff today. If you can’t make it in, fill out our contact form online!