Step 6: Pay with Cash, Not Cards

• Keyboarding information verbatim into the laptop does not involve any cognitive engagement like concept and vocabulary mapping, paraphrasing, summarizing or organizing as manual, by-hand note taking does.
• When we use a pen and paper, we are creating notes in the real sense, crafti...

Allow yourself a certain amount of money each week and spend only that amount. 

Unless you’re constantly checking your finances, it's hard to keep track of what you spent when you pay with your credit or debit cards.

We have this idea that if we just make a certain amount of money, we're going to do great. But it doesn't work like that. We find ourselves always adapting our spending and lifestyle to our income.

Be careful with your spending even if you suddenly have more than you need. Don't chase tempo...