How to stop spending money you don't have

Feeling guilty because you can't buy your kids the toys, sandbox, swing set, video game, etc.? Think of it this way. If you do not spend money that you don't have, you are doing the following great things for you and your family!

• You are keeping your budget simple and easier to balance (or keep track of)
• Teaching your children the value of a dollar by not spending money you don't have
• Giving yourself a feeling of freedom (not guilt) by living with your means
• Teaching your children to be creative by coming up with their own new games or toys
• Making less clutter and mess to clean
• Most likely, making your relationship with your significant other better based on better financial decisions

Now...do you still want to buy that item??