I tried 4 savings strategies to cure overspending and stuck with one - Business Insider

, not paying bills on time) and I didn't want to be a repeat financial rookie in the next decade of my life. to my five-year goals, and decided that one of the things I needed to do to get in a better money state was to start saving more.

A couple of times, I set budgets that were more practical by looking at my past credit card statements and taking the averages of what I spent, per category, and making that the budget line item for the month. For example, one month I'd have three birthday parties for friends that would eat up my restaurant budget too fast, or I'd have to send money for a future bachelorette party trip that would take up my activity budget. I ended up not being able to plan for extra events or things that occurred throughout the month that would end up rocking the budget.

I reduced my online shopping urges quite a bit — until I caved. I started auto-saving my credit card information again. I even put a sticky note on my computer that said "do you really need this," which acted as a stop sign before clicking the "buy" button. It worked sometimes, but ultimately this was not a money-saving strategy that I was able to rely on or stick with for good.

At the start of every week, I'll look ahead and see how much cash to budget out for particular things like dining out, groceries, activities, and transportation. Iand every day, take only the amount I know I need for the day. If I'm planning a trip to the drugstore, I'll estimate how much the bill will be and bring cash to pay. The same goes for how much I give myself to spend daily on eating out at restaurants.

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