i wish i were a penny pincher.
i need to learn how to be one.
i would be proud to say i was one.
here are 7 seemingly easy steps to become a better saver.
easier said then done but i'm determined to change my ways!
1. pay yourself first
this makes total sense. the very first thing i do when
he gets paid is pay bills. even if they aren't due just to
get them out of the way. then groceries and so on.
we HAVE to start doing this.
2. make it automatic
this makes sense too! if it comes out automatically
and goes into an account you only use for savings, and that
is not easily accessible, then you'll be less likely to spend it. and you
won't miss it if it just comes out right when you get paid.
just little amounts to begin.
3. save your change
this is not practical for us. we don't really ever carry cash.
but it's a nice thought!
4. round up
i HAVE to start writing down transactions...
i'm sooo bad about that.
i keep a tally in my head if that counts.
i need to start getting in the habit of writing things down
but seriously, who writes checks anymore? i think i write 1 a month.
so when i make that a habit i will round up!
5. give up a small luxury
this we already do. we've never had cable. (gasp)
we own one car. we only had one
cell phone up until a month or so ago.
we go to starbucks usually once or twice a week.
we make do with stuff given to us -vs.- buying new on credit
6. make it from scratch
if you've followed me for any amount of time you'll already know i'm a
design-it-yourselfer, bake-it-yourselfer, make-it-yourselfer...
but really i do these things cause i enjoy working with my hands, but it is
an added bonus to the bank account!
7. clip coupons
haha. lovely idea. really. i'm super stingy with shopping as it is. i only buy what we need
when it comes to groceries.
it doesn't make sense to throw out food! or hoard it in my
fridge like my mother... (ahem) for months and years...
i do find good bargains though as far as regular shopping!
so that counts, right?
my husband has been an amazing helper in molding my shopping habits.
i say that with all seriousness. i use to just buy stuff
cause it was cute but never thought about what to wear it with or
how to wear it and then it'd sit in my closet with no use.
he's helped me to think about my purchase and he's usually right!
so there are 7 steps to becoming a better saver!
{via beingfrugal.net}
i need to learn how to be one.
i would be proud to say i was one.
here are 7 seemingly easy steps to become a better saver.
easier said then done but i'm determined to change my ways!
1. pay yourself first
this makes total sense. the very first thing i do when
he gets paid is pay bills. even if they aren't due just to
get them out of the way. then groceries and so on.
we HAVE to start doing this.
2. make it automatic
this makes sense too! if it comes out automatically
and goes into an account you only use for savings, and that
is not easily accessible, then you'll be less likely to spend it. and you
won't miss it if it just comes out right when you get paid.
just little amounts to begin.
3. save your change
this is not practical for us. we don't really ever carry cash.
but it's a nice thought!
4. round up
i HAVE to start writing down transactions...
i'm sooo bad about that.
i keep a tally in my head if that counts.
i need to start getting in the habit of writing things down
but seriously, who writes checks anymore? i think i write 1 a month.
so when i make that a habit i will round up!
5. give up a small luxury
this we already do. we've never had cable. (gasp)
we own one car. we only had one
cell phone up until a month or so ago.
we go to starbucks usually once or twice a week.
we make do with stuff given to us -vs.- buying new on credit
6. make it from scratch
if you've followed me for any amount of time you'll already know i'm a
design-it-yourselfer, bake-it-yourselfer, make-it-yourselfer...
but really i do these things cause i enjoy working with my hands, but it is
an added bonus to the bank account!
7. clip coupons
haha. lovely idea. really. i'm super stingy with shopping as it is. i only buy what we need
when it comes to groceries.
it doesn't make sense to throw out food! or hoard it in my
fridge like my mother... (ahem) for months and years...
i do find good bargains though as far as regular shopping!
so that counts, right?
my husband has been an amazing helper in molding my shopping habits.
i say that with all seriousness. i use to just buy stuff
cause it was cute but never thought about what to wear it with or
how to wear it and then it'd sit in my closet with no use.
he's helped me to think about my purchase and he's usually right!
so there are 7 steps to becoming a better saver!
{via beingfrugal.net}
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