LennyK3
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Quit, it will teach you what it is like to go without. Once you learn that, having money will be a benefit, and you will learn to save it. |
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Karen Elaine
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have the payroll clerk at your company automatically deduct a percentage of your salary, and direct deposit it into a savings acct. i have our payroll clerk deduct 2% of my check into a savings account of which i don't see, and i have saved alot of money without even realizing it |
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kalinda99
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give 10% to God
give 5% - 10% to yourself in savings
budget the rest across paying bills
if you have credit card bills, work toward paying off the smallest first. once that is paid off, take the money you would have spent paying it off and put it toward the next larger one and so on until your credit card debt is paid off.
after that, utilize cash only - no more credit cards :)
good luck! |
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wrpstar
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Find out how much money you need to live per month
(mortgage/Rent, utilities, car, insurance, food, going-out money, credit card debt, school loans)
subtract what you make a month
take the extra and put it in a bank (or under a mattress)
Repeat monthly |
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Jessica R
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i agree with putting it in a savings account. i'm not sure if the banks wherever you live provide this, but where i live they can set up an account that you can only deposit money until a certain date. once that date comes you're free to remove the money. before that date though, you're not allowed to touch it. you should look into seeing if any of your banks do that. |
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origamimark
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Make a budget of your outgoings and stick to it. Any money left over each month is available for fun and saving, but without a detailed budget you don't know what this will be. |
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busy
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i would recommend you to buy the book Rich dad poor dad, that will help you to start thinking in how to manage your money. |
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RACQUEL
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First you need to have the will power and discipline to save. After that it just comes naturally. |
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Ryan C
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Common problem, what works for me is to watch a movie about what is going down in poor countires today, like Hotel Rwanda, or something, then think about how the real valuables in life are not bought with money, and so i spend less. It's worth a try. Good luck |
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kit
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Put some money in a savings account. You shouldn't be spending like there is no tomorrow. You may never know when you will be unemployed. Bank of america has a keep the change program and ING direct lets you link your checking account to their account and you can transfer money anytime you need it. |
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twong18
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You really need to geta diff perespective. Ppl can tell you do this do that set aside this much but you really need to get a diff view for yourself to understand.
Read the Richest Man in Babylon by George Clason. That's all you need then you'll know what to do. |
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mom of a boy and girl
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You need to think about the future and what if's !!
Anything can happen ...You may need it desperately in 5 days, but it's no longer there......Plan ahead... And if you don 't need it in 5 das, then you are richer than you thought.....And you just started a savings...How smart was that ??Way to go ! |
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coolhotguy
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put in a bank account called savings an dont touch it for a couple years. then you will have more money than what you started off with. |
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♥amorvida
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Plan what your going to do with it..set aside money for specific things (a portion towards saving, a portion towards shopping, a portion towards paying the bills etc.) Trying making a budget..sounds like a lot of work, but that way you know EXACTLY where your money is going and how much of it, where your spending too much, and where you can cut down. I use one, and its really helpful. |
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Andy FF1,2,CrTr,4,5,6,7,8,9,10
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Have money taken out for savings... contribute the max to your 401k plan, if your company has an ESOP (employee stock ownership plan) contribute the max to that too.... Have a little extra taken out for taxes... (you can later put the refund check into savings) then enjoy spending the little bit that left in your salary each pay period..... |
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mary m
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I used to be frivolous with my money also. But saving and building your credit is so important. If you ever plan on buying a house having good credit is imparitive. Ask your employer if they have direct deposit put at least half in your savings, you will be happy you did. |
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Answer King
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Believe that there is a tomorrow and save a bit. |
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Blue Eyes
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I deposit $100 every week out of my check into a savings account and don't touch it. |
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?
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To the guy that said quit, you are crazy! DON"T QUIT! What you should try doing is before you get your check decide how much you want to save and stick to saving that amount unless an emergency comes up. Put the money in a savings account, a box with a lock on it, or let someone hold it that you trust. Even saving $10 is a start. Take small steps and then you will build up to the big amounts! |
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