Avoid to use credit cards: Studies show that those who use credit cards instead of using only cash for payments tend to spend comparatively more. While using credit cards, they do not get to see the money spent, that is why people somehow overspend on items they do not need. One of the sure ways to cut down on excess spending is to buy things with cash.
Create a check-in bank account for daily spending.
Limit money in that account to check excessive spending.
Link this limited money-account to...