I limit myself to 100.00 a month. When I go shopping I don't take credit/debit cards that way I don't over spend. And I wait for the sales and coupons. I keep the money in a separate coin purse and what I don't spend goes to next months purchases. That way I hopefully have extra by time the quilt show is here since there is always so much I want there. If I buy online I put that receipt in the coin purse and take out the money and put it toward the card I used online. Just my little game I play with myself helps to keep credit cards down also.