As I seem to have problems saving money.......
How do you find it best to save up? Put money in another bank account, a money box?
How do you find it best to save up? Put money in another bank account, a money box?
I have trouble saving due to bills. I've decided to do my best to stop using my credit cards to get the bills down, THEN I'll be able to start putting money in the bank.
We have a change jar at home. All of our change, well, mostly Larry's :lol3:, goes into that jar. It adds up to a couple of hundred of dollars rather quickly!! Yep, even pennies.I save all my change....even pennies will add up to something.
That sounds familiar!I have trouble saving money too. Once I get my check,pay the bills and get the things around the house my money is gone.
dejolane
You guys think like we do. We paid off our mortgage early by adding a little each month to apply to principal. It really pays. We have credit cards but always pay the bill in full when we get it. If we can't afford something, we don't buy it. The bonus points we get on our Master Card gets redeemed tor restaurant gift cards so we can treat ourselves. Have had our IRA's for years and while they don't earn an awful lot these days, it's our "nest egg". We also have a jar for pennies and loose change. Still have to take them to cash them in, but it does add up.We have been married for 27 years and from the start we have never bought anything we can't pay for in cash. I know that is not easy but it can be done. We live way under our means and are frugal. Many people over-extend themselves and use credit. We are the opposite. We do have a credit card and use it all the time but we pay if off in full every single month. By being that way, we were able to pay off our mortgage on the house we had in Illinois. We put all extra money to the mortgage in recent years and bypassed stocks and funds. It was the smartest thing we have done! Still don't buy anything we can't pay for immediately with cash.
I have a 401k and a 403b. I also have a stock portfolio. I acquired these through my employer when I worked full time. They were all automatic payroll deductions. Without them I doubt I'd have saved much.As I seem to have problems saving money.......
How do you find it best to save up? Put money in another bank account, a money box?