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 Ok.. a friend of mines has a cash lump sum of 300K? |
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Mr. P | What is a good way to save money if you dont have a set salary? |
I have different temp jobs as a college student and i want to try to save money. |
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seymoretowns
 |
I do not have a set salary either and really like to spend money so ......I always pay for all purchases with paper money. I never use change and I bring my change home and put it in a bucket. Usually empty it every 18-24 months into my savings account. Another thing i do is figure my lowest check and spend from that amount on a monthly basis. Then all that you make over the lowest month is put into the bank and use when you have a low month . I hope this makes sense to you. I also "hide" money from myself. just put it up and not go back to get it ... I have found it at the most needed times. Good Luck to you since in college you are on your way to having a secure future |
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Rainy
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always pay yourself first . . by either putting aside a set amount when you cash your check or by have part go directly into a savings account each month . . . |
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Stevo
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My Dad told me of the easiest way to save money quite some time ago.
Do this:
Each time you recieve any type of payment at all, from anyone or any job you do, put 10% of it in a savings account, and don't touch it. When you build up a pretty good ($1000)amount in there, invest it in a CD. This will allow your money to make more than the regular savings earning power. Keep track of when they will mature, and keep re-investing that money. You can wait, and add a couple of matured CD's together to give you a bigger amount to invest. That larger investment will also give your money more earning power.
Remember, it's only 10% of what you make. You won't even miss it. You will be amazed at how well this plan works. You have to take an active part in it, but to me, it just makes you that much more aware of how things are doing, and gves you a bit more satisfaction knowing your money is working more efficiently than a regular savings account.
Good luck, and don't put this off!!!
Stevo. |
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dudleydo
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Take a portion of the cash you do receive from your temp jobs and automatically save it. Save $1.00 out of $10.00 if you can. Your savings can be kept in a special place only you know about and as you add to it you will be surprised how much you can save. My Daughter saved all the change she received from any transaction including tips and ended up with a giant water jug filled with small change. Count it up and you may find that a way to save that is easier as it is harder to get to, and takes time to count and sort before you buy something on impulse. Good for you and Good luck. |
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Wallflower
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first find out how much you spend on necessary things like utilities and food. then find out how much you spend on the side for things like clothes or a random minor emergency. keep the amount for utilities, plus say 40-50 dollars for gas or a little pocket money. then save all the rest. |
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cal1
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Try this....Save at least 10% of your income at all of your jobs.
Send that money to an online bank so that you cannot get it for frivilous reasons. Try to accumalate at least $1000 in one year. This works out to less than $20 per week! Actually it's $19.23/week to be exact ! Now if you want to be bold go for $2000 in a year. That works out to saving $38.46 per week! Peace! |
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Thank God for Life
 |
1)Take a pen a paper and jot down all your expenses.
2)Minus that from what u earn.
3) Take 10% of the balance left over and put it in a high interest savings account(HSBC has a 6% interest going on right now).
4) Whatever is left u can spend on whatever u want or u can stash it somewhere in case u have an immedite emergency this way you won't have to touch ur savings.
Hope this helps! |
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Land Shark
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1. Do a budget - write down everything you're spending money on.
2. Cut out any unnecessary spending but make sure you pay yourself first...an allowance. This is your money to spend on the fun/little things like eating out and entertaining.
3. Save what's left over. With a varied income sometimes you'll have a lot one month and not a lot the next. Your savings will help you get thru any rough patches.
4. Put your savings in a high yeild savings account like ING. Link below to check them out. |
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jphess80
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You might want to listen to www.daveramsey.com for a little more advice, but here's what he would say if you asked him.
"Spend all of your money on paper before the month begins. It doesn't have to be a perfect month from heaven. Make a priority list of what needs to be paid. First things first, you need food. So set that money aside in an envelope and write it down. Then you might need rent. Then lights. Then party money or whatever.
Make a list:
1
2
3
4
Stick to your amounts or change the amounts on paper before the month begins. If you use the envelope system and cash, it will feel like you got a raise."
Every dollar should be accounted for. Even if one of the items is "Go nutz" or "Save".
If you only make $500 one month and that only covers the first three items... then that is all that gets paid. If item 4 is "Save 200", then its not going to happen that month. Item 5 might be, "Get a used bike". The next month, you might make $800. You get to save 200 and buy that bike.
You have to pay off your debt before it makes sense to save. You don't want to be paying 18 percent on a credit card while trying to save cash.
So instead of "Save 200", it would be "Pay Discover 200" Pay minimum payments on all of your debt except for the smallest bill. Start paying as much as you can towards that bill until it is gone. Then take what you were paying towards that bill and start paying all you can towards the next largest bill.
If you are on a very low budget, then you have to really keep track of everything. If you walk into Kroger's with a debit card, you are going to buy way too much food and you won't even look at the prices. If you walk into Kroger's with a $20 bill and no other money... then it becomes a game and you really don't want to go up to the checkout line and not have enough money. So you check every price!
If you have debt on a car and can't pay it off within the next 3 months... sell it. I just sold my very nice 2 door 4x4 Explorer and bought a low mileage 1992 Toyota Paseo. Sure it kinda sucks, but it aint as bad as you might think. No full coverage, no payment, and an average of 37 mpg.
If you owe more than its worth, get a personal loan for the difference. Sell it.
I feel better than I deserve :)
John |
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moneymakingenius
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check out this site! its easy and completely free!!!
http://www.treasuretrooper.com/1273 |
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