Financial advisors also recommend creating a "fun fund" to save for special treats, such as vacations, big-ticket purchases and entertainment in order to avoid just charging something on impulse and getting stuck into the payback rut.
With an average wedding costing almost $25,000, many couples turn to cheap wedding invitations to help keep costs down or free up more money for big-ticket items like the reception and the photographer.
Most classes are a significant financial investment, and degrees require years of focused study, so treat classes as you would any other big-ticket purchase and do your research.
Try setting aside money envelopes for particular indulgences such as eating out, vacations, and big-ticket purchases instead of using your credit cards.
Since these are often big-ticket purchases, it's well worth the small effort to be familiar with your measurements before.