How to save money?
I earned $300 per month as a part timer. Every month, I spend $100 on my bills. I pay for all the expenses I incur (food, transport). If I really go in a diet, I will most probably spend $100. I still have music lessons to pay for, which costs me $80. And I want to buy a $2500 instrument for myself. How can I ever save money or even earn more? I’m studying and working at the same time. I think it’s breaking me. I study from 8am-6pm, and work from 6.30-11pm. HELP!
Public Comments
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- Here's how I became a disciplined saver. First with maybe only $3000 in my name in 1984 at the age of 25. I finished college at just before I turned 26 and started my first full time job that summer. This was 1985. I set up a credit union account and eventually established a "Christmas Stocking" account. You cannot touch the money in that account until November before Thanksgiving. I used some of the money to buy gifts, but renewed the Christmas stocking account with the remainder, kept getting raises, and added maybe $25 or $50 per month the next year. I kept raising that amount by $50 per year when my job gave me raises. This set me on the path of discipline. By 1996 I had enough money for one of my goals. My net worth grew by leaps and bounds since then. I also added stock mutual funds in the late 1990s and individual stocks in 2000. Now I consider myself a sophisticated saver, or at least an expert saver. I can live without a job for several years if I want to, or if I'm forced in that position. Good luck!
