Step 1: find something you want<br />
Step 2: contemplate buying it<br />
Step 3: decide not to buy it<br />
Step 4: curl up in a ball and cry<br />
Step 5: cry some more
That is some dang good advice.
Seems like my case XD
Keep the change. Literally. Whenever you spend, break that dollar instead of giving correct change then put the change in your favorite piggy bank, coffee can, bottle etc. If you "keep the change" daily, you'll start developing a nice little savings that you can at least have for emergencies.
We've done this for years, once we quit using cards and went strickly cash, it is so simple and effective.
Bank of America (and likely others) have a system where, when you use your card, it puts the difference between what you paid and the nearest dollar, and puts it in your savings account.
Compared to actually putting money aside deliberately, though, I have not found it terribly effective.
I don't get it. What exactly do you mean by change?
Coinage that you get in return for handing someone a note when buying something.
If you don't have the cash for it-don't buy it as you can't afford it. Don't opt into cards, loans etc and paying for things with borrowed money. with this mindset it's easier to distinguish what you really need in your life.
Don't eat fast food! It adds up FAST. Prepare your meals.
I agree, plan what you'll make to eat each day and stick to it
Not buying packaged convenience foods at the store helps, too.
Give up beer and cigarettes.
whaaaaaaaat? Never! I'd rather be penniless than give up the beer. It's natures cure to get us through life!
So true Mick!!!!
Never liked beer. But when I quit smoking 7-1/2 years ago, I was spending $80-100 per month. I actually felt the difference. Husband still smokes.
ugh but they are such a good distraction
Bad ...bad advise
Pre plan your meals. I spend a lot eating out because I'm too lazy make lunches or fill water bottle
Not spending it, unless it is on something I need (as opposed to want)
I agree with you. One step further, ask yourself when you are in front of it if you need it or want it? It sometimes hard to walk away when you tell yourself you only want it. Practice makes perfect though!
Save a portion of your salary every month, even a small amount.
And start EARLY. Even at today's interest rates, it eventually begins to add up.
Pay yourself. Set up a savings account and treat it like a creditor.
I never thought of it like that but I see it now!
Easy: Stop buying things you don't need...
Instead of money, I'm going to use my 26,260 EP points to purchase a wide exchange of things from their rewards catalogue!
Don't spend it
OR how about NO MONEY! live in the wilderness, no homes, no clothes(unless from animal skin), no computers, build your own shelter, learn how to make fire. We ALL already have everything we need and money IS NOT one of those things. LOVE is. FREEDOM. SHARING. GIVING. TRADING. <br />
but thats just all fantasy these days.
Don't spend any.... simple.
get a job
What? then ya gotta spend on makeup, clothes, gas to and from work... damn!
hahaha no you dont have to spend it...its all about budgeting and figuring out what is essential and non essential
Money jar! Set allowances every week for certain necessities (I.e grocery, gas) each in a jar. the trick is you only can use cash and what ever is left over you can decide to carry over next week or spend it that week on a reward
dont spend it
Cut back on spending
Make a bank account, put some cash in it, then promptly forget your pin number and then forget it existed, then get cryogenically frozen for 1000 years by accident when delivering a pizza to somebody that turned out to be a tiny black alien on New Year's... And then spend it all buying the last ever pack of sardines.
Never ever make your expenses bigger than your income. Avoid using credit cards. In my opinion, no matter how big or small your income is, if you don't know how to spend it wisely and manage your money, you'll end up being a beggar. I know a lot of people who use to be rich people, they were earning so much more but they ended up becoming poor. Try to invest and save whatever extra money you have
Don't spend it.