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# How to Train Yourself to Spend Less

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<!-- video src="https://cdn.jwplayer.com/manifests/CXmsELvi.m3u8" -->
## Video: How to Train Yourself to Spend Less

[Watch (HLS stream): How to Train Yourself to Spend Less](https://cdn.jwplayer.com/manifests/CXmsELvi.m3u8) (1:41)

![How to Train Yourself to Spend Less](https://cdn.jwplayer.com/v2/media/CXmsELvi/poster.jpg?width=720)

_Published 2016-02-17. Millennial money expert Stefani O'Connell recommends a cash-management system._


---

Jul 27, 2023 7:39 PM UTC

---

## More From This Series

[All Videos](https://time.com/video/)

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### 2 Super-Easy Ways to Manage Your Spending

[Whole Foods Wants Millennials' Money Even if it has to Charge Less](/video/S0uMpw7J/)

### Whole Foods Wants Millennials' Money Even if it has to Charge Less

---


## Transcript

If you want to actually kinda put this into action, are there, what are the steps you can take to make it happen? All of these budgets, we're just talking about numbers and it's really hard to ground yourself when it's just theoretically numbers. So cash is a tangible way to ground your numbers. So I call this the Cash Envelope Budgeting Implementation Tactic. And so let's say you have designated $ 300 a month for groceries. So instead of just saying I have $ 300 a month for groceries and hopefully I don't go over, I'm actually gonna put $ 300 into an envelope marked groceries and that way I am taking and taking.

And if I am getting to the bottom I have to make a choice. Am I going to overspend and take from another category? Or am I going to not spend on this extra item that I don't need? so it forces you to realize what those trade offs are when you are You're dealing tangibly in cash, right? And let's say that teaches you discipline. And you are ready to graduate to another level.. How can you put that in to play. With a real bank account? Yeah so the great things about real bank accounts is that you get to earn interest on your money. So the downside of using cash only is that you are not earning interest.

ANd you are not. Let's say getting credit card rewards. So once you have really mastered sticking to your budget and staying on task with your numbers and your goals, then graduate to the checking account, to the saving account, that has maybe a little bit more interest. And then also using a credit card that maybe you get 1. 5 % cash back. That's great, thanks. [ MUSIC ]

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