November 3rd, 2006 at 12:39 pm
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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November 3rd, 2006 at 02:46 am
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):
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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".
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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]?
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Excuse 3: I deserve a little luxury in my life.
I struggle with this. "Wants" can be strong.
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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.
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Excuse 5: I am saving through my 401(k).
You know, 6% contribution plus 4.5% matching. Is it enough?
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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."
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