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Transforming money habits isn't easy, since the temptation to spend outweighs the benefits of saving a few extra dollars. Slow economic growth and a rise in budget-conscious money decisions, however, encourage consumers to find new ways to keep dollars and change from slipping away.

Many consumers find it hard to transition from old habits to a new budget system, complete with stringent belt-tightening when it comes to spending money. A few small changes to their money habits can create a smooth transition or replace spending urges with a pile of extra cash at the end of the week.

Simple Spending Budget

Instead of thinking of budget changes as a "savings" budget, avoid the penny-pinching mindset by emphasizing the "spending" budget instead. The portion of the budget allotted for recreation or spending is really a small allowance that can be freely spent on anything within its limits.

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