November 3rd, 2006 at 12:39 pm
0Job change and relocation often add more expenses (or sometimes less). Since I started at the new job, I find myself spending more on housing and food. Housing is obviously more in this part of [url=nj.com]Jersey[/url]. I also eat out more.
Well, like [url=yummysaves.savingadvice.com/]yummy saves[/url] recommended, I'm putting some efforts to save a few dollars a day:
[indent][b]Save $3.06 (2 x $1.53) on Starbucks coffee[/b]
:: I usually drink 2 cups of coffee. Since there is decent [b]free[/b] coffee at work, no need to buy!
[b]Save $2 on gym membership[/b]
:: Instead of $60/mo on gym membership, I use the [b]free[/b] gym (although small, but it has tread mill and free weights I need) at work.[/indent]
Any tips on effortless ways to save a little here and there? asdf123
Job change and relocation often add more expenses (or sometimes less). Since I started at the new job, I find myself spending more on housing and food. Housing is obviously more in this part of
Text is Jersey and Link is nj.com
Jersey. I also eat out more.
Well, like
Text is yummy saves and Link is yummysaves.savingadvice.com/
yummy saves recommended, I'm putting some efforts to save a few dollars a day:
Save $3.06 (2 x $1.53) on Starbucks coffee
:: I usually drink 2 cups of coffee. Since there is decent free coffee at work, no need to buy!
Save $2 on gym membership
:: Instead of $60/mo on gym membership, I use the free gym (although small, but it has tread mill and free weights I need) at work.
Any tips on effortless ways to save a little here and there?
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Saver's Tips
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7 Comments »
November 3rd, 2006 at 02:46 am
0Sometimes a retirement fund is not enough, you need to save to emergencies and luxuries, too. There is a [url=money.msn.com]MSN Money[/url] article about [url=articles.moneycentral.msn.com/RetirementandWills/CreateaPlan/6WorthlessExcusesForNotSavingMoney.aspx]6 (worthless) excuses for not saving money[/url] (my thoughts are in [i]italic[/i]):
* [b]Excuse 1[/b]: I don't make enough. [i]No kidding, I think I'm underpaid. But I also find that the more I make, the more I spend. Someone once said, "it's not how much you make, it's how much you keep".[/i]
* [b]Excuse 2[/b]: I'll get around to it later. [i]Procrastination. If you can't save now, how can you save in the future [with house, family, kids, aging parents]?[/i]
* [b]Excuse 3[/b]: I deserve a little luxury in my life. [i]I struggle with this. "Wants" can be strong.[/i]
* [b]Excuse 4[/b]: Someone else will take care of it. [i]Hahaha, I think I figure out that [url=ssa.gov]Social Security[/url] won't be around when I retire.[/i]
* [b]Excuse 5[/b]: I am saving through my 401(k). [i]You know, 6% contribution plus 4.5% matching. Is it enough?[/i]
* [b]Excuse 6[/b]: This item or service will pay for itself. [i]Oh my gosh, this is definitely a struggle. I tell myself that "I'm not buying, I'm investing in this thing."[/i] asdf123
Sometimes a retirement fund is not enough, you need to save to emergencies and luxuries, too. There is a
Text is MSN Money and Link is money.msn.com
MSN Money article about
Text is 6 (worthless) excuses for not saving money and Link is articles.moneycentral.msn.com/RetirementandWills/CreateaPlan/6WorthlessExcusesForNotSavingMoney.aspx
6 (worthless) excuses for not saving money (my thoughts are in
italic):
*
Excuse 1: I don't make enough.
No kidding, I think I'm underpaid. But I also find that the more I make, the more I spend. Someone once said, "it's not how much you make, it's how much you keep".
*
Excuse 2: I'll get around to it later.
Procrastination. If you can't save now, how can you save in the future [with house, family, kids, aging parents]?
*
Excuse 3: I deserve a little luxury in my life.
I struggle with this. "Wants" can be strong.
*
Excuse 4: Someone else will take care of it.
Hahaha, I think I figure out that Text is Social Security and Link is ssa.gov
Social Security won't be around when I retire.
*
Excuse 5: I am saving through my 401(k).
You know, 6% contribution plus 4.5% matching. Is it enough?
*
Excuse 6: This item or service will pay for itself.
Oh my gosh, this is definitely a struggle. I tell myself that "I'm not buying, I'm investing in this thing."
Posted in
Saver's Tips
|
6 Comments »