How do I save even more money?
I save on a regular basis every month. The money is automatically taken out of my checking and put into savings. I have set certain goals like save $3000 or $5000. But the problem is that when an emergency happens I have to go into my savings because I don't want any debt. What ends up happening is I fall behind on my goal. I continue putting money into my savings but again I take money out to fix my car, go on vacation, whatever. How do I save more and stay out of debt?
Public Comments
- here are some money saving tips
- Well just keep buying things you need and not so much the things that you want. For example don't always order food or buy things that aren't necessary. If you keep doing this you would end up saving a lot. Also you're not going to go in debt if you keep saving up. Start a money jar and keep some pocket change in it. I t would end up being a lot once the jar is full and you go cash it. You can also get a better job or ask for a raise. Possibly get two jobs or ask for more hours. If you get a second job that is just a small weekend job you can get a lot more money.
- hey good job btw, on saving. not many people do enough of it these days. But I think you're encountering the exact reason why you should be saving. So you are staying out of debt by just doing what you're doing. More than anything saving is about your budget. Make a budget and any money that's not committed to paying bills, i.e. discretionary spending you should see how much of that you want to save.
- Hey you can find all the info you need at this website. moneytroubles.info
- You have to start thinking S-M-A-R-T. What kind of cutbacks can you make? For example: I drink bottled water. Now at $1 a bottle on something that covers over 65% of our planet is not smart. So I bought one of those water filters that screw into your faucet. I have bottles that I refil over and over again. I take them to work. Do you have a lot of small appliances around that house that are always on? I cut my electronic bill almost in half by unplugging all the clock radios and night lights. I also bought some of those florescent bulbs that look a lot like a regular bulb. These things use 80% less electricity than regular bulbs. You would be surprised, but these small things add up. I know I was spending money on the water filter and energy efficient bulbs but these things will pay for themselves in a month providing they pertain to you. If you really need the money right away start cutting back on your food costs. Romain noodles cost a dime and they taste just as good as campbells chicken noodle that costs $130 a can. Ok no chicken in romain noodles, but you are probably just missing about 4 tiny pieces of chicken. Put a brick inside your toilet 'chamber'. You will use a little lesser water each time you flush..Before you know it you will be ahead. Wanna be creative? Find yourself leaving lights on? Buy a motion sensor switch, the lights will turn on when you enter the room and will turn off (by a set amount of time) when you leave the room. I have one, they cost $15 at HomeDepot. So remember you have to start thinking S-M-A-R-T! Yours truly seahorsehawrey.
