saving $
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- forcetwelve
how do you guys (those of you that do) save money?
i'm serious about saving some $ this year. new years resolution and all that.
any tips?
- epete220
Make a checklist of 10 at $50
ei..
$50
$50
$50
$50
$50
$50
$50
$50
$50
$50throw $50 into your savings every two weeks or every month, once you do that, cross off $50. Continue to repeat. I normally make a giant list so it is right in front of my face. Once you finish the first 10 you will be set and every time you complete 10 more you will feel better.
I hope that makes sense. its 240am here lol
- Peter0
2 cents:
Just as with stopping smoking (but in reverse): just stop it.
I mean start it. Just start it. And don't fuck around with the pile of dough you've amounted to save. Borrow only from the pile if you realistically can pay it back the following month.
Set one sum for each month divided in two: one set figure plus one flexible - there will be some months during the year where expenses will be higher than other, and those months you could skip out or lower the flexible sum.
- kalkal0
Sell your mac, buy a pc
- forcetwelve0
thx guys. good tips.
- forbes0
ive been taking 200 quid out of my account at the start of every month and leaving my cash card at home and just using the 200 quid to last a whole month.
i ration the money tons better when i actually have all the money in my hands.. like il leave the money at home and carry around 10 quid if i know i dont need to buy anything and try to make that last as long as possible. then when ive spent that il grab another 10 quid and do the same. sometimes i wont even spend the whole 200 quid in a month and my bank abalance just keeps growing.
just opened a savings account - thatl help aswell
- forcetwelve0
i do a similar thing - put 100 aus$ in another account each week. its all about not dipping back into the savings though!
i have figured if i pay all my bills for the week/month when i get paid i won't spend the money.
- Dancer0
I find the best way is to filter off into certain accounts.
For example at the beginning of every month I filter off enough £££ to pay all bills, food, gym and any other fixed outgoings into a separate account where I have Direct debits going from. I also filter off savings, and what ever I am left in my account for that month I can spend on smack and whores.I do have too many back accounts though (6 at the moment)
- monNom0
look at your expenses for the past month and cut back where ever you can. Ideally you want to get comfortable living below your means.
this will mean less dining out, less expensive coffees, getting a cheap mobile phone plan. maybe moving to somewhere less trendy.
etc.if you can wind back your spending so that you're comfortable, but frugal, your savings build themselves.
- Raniator0
spend less than you earn and at the end of every month split whatever is left in half, put half in a savings account and keep the other half in your current account. that way you are saving and building up your current account.