|
A few things I do:
* Every paycheck, I put away $75 in a separate account for Christmas gifts / holiday travel. That way, when the holidays roll around, I don't have to worry about finding $300 for airplane tickets and money for gifts.
* Make automatic transfers every 2 wks to a savings account away from my normal bank - this helped me build my emergency money. Ideally you should be saving 10-15% of your income - whether that be your 401K, emergency fund, saving for a car/house down payment, or a combination of them. Most people don't ever stick to budgets and won't save money if it takes EFFORT. If you make the withdrawals automatic, you don't have to think about saving money - it just happens.
* Don't use credit cards if you can't pay the balance off in full every month. Finance charges are invisible money suckers!
|
Threaded Mode
