Here, actually, is an article on reducing grocery store spending, specifically: link

Hope that’s useful, too! :-)

If, say, x% of my net income is allocated to groceries and so far I’ve been doing really well on my spending in that category, then maybe it’s okay to buy that fancy manchego cheese after all (as long as my other categories are on track). Similarly, you can do the math to figure out whether this item would fall under your non-budgeted disposable income. Here’s one budget calculator that I think is useful, as it shows you how much disposable income you have at the end: link

Let me know if you think it’s useful!

This is a great process. If it’s not on the list, I can consider adding it to the list for later, but not buy it now.

That last question saved me recently. I was looking at cheap speakers (on my list), and found a more expensive set (and a really good deal). While I didn’t need them, I really wanted them, and I could afford it. Fortunately, however, I asked that final question and remember that I had other things I’d rather spend my money on.