Close the Financial Faucet

Setting spending goals is among the hardest thing for a free spender to do, but there are ways to do it. Below is the main way that many are doing it today. Put money away for yourself first into fixed accounts that cannot be touched.

It might seem unfair that you would get penalized by an IRA for taking your own money out, but it can be helpful as well. That chunk of change you will pay will make you think twice about taking money out that you do not really need to spend on something that you should think twice about.