Hi Laura,
You are absolutely right about the two signature idea. The last thing I want is to be doing well for a few months and have a lot saved up, only to flush it all down the toilet in one day. I am always on the look out for limiting access to my money as much as I can. Having it in a retirement account (Roth IRA) did not help as it was easy to withdraw those funds. Not really sure what the best approach is here.
I’m done a lot of planning what I could actually do. The good news is I never use my credit cards anymore. I’ve been meaning to put them in the safe at my apartment, but I’ve just never really used them or wanted to. I do however use my debit card. This may sound extreme, but I was thinking of putting my debit card in the safe to limit spending (not just for temptation gambling, but in general being better with money). I thought I would withdraw $100 cash for food/gas and only take $20 with me at any given time, the rest I would leave at home. I know this sounds extreme, but I think it would help with budgeting in general until I get a better grip on my finances.
–Nick