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Re: ATM Smart Savings Sweepstakes

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Message 611 of 671

Living frugally has been imposed on us, being laid off in our early 60s, but it really isn't a burden. it has helped us prepare to be retired with a reasonable budget but lots and lots of more time.

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Re: ATM Smart Savings Sweepstakes

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Message 612 of 671

Pay yourself!  Every time you even think about spending money on frivilous things (a shirt you don't really need, a dinner out that is not a true special occasion, or some gadget you know you will never use for example), put the cost of that item or excursion in an envelope.  Keep adding to the envelope on every single one of these instances for a week, a month, or preferably a year.  Then check back at the end of that time and see how much money has added up in that envelope.  Now go put it in your savings account or invest it wisely!

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Re: ATM Smart Savings Sweepstakes

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Message 613 of 671

Each time you get a pay increase, take part of it to increase your automatic savings (like your 401k contribution), but keep some of it so you feel like you did get that raise!  You'l never miss the money and it will compound over time!

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Re: ATM Smart Savings Sweepstakes

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Message 614 of 671

I sign up for every coupon saving card and match coupon to sale items. Also shopping at clothing stores with sales and percentages off can reap you a lot of clothing for little money. I took a part time job and enjoy the 20% off discount. Great savings and stretches my monies further. I have 11% in my 401K and seek financial advice yearly while in my early 50s. In reading the article I like the advice to have 5 times my salary saved by 55.

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Re: ATM Smart Savings Sweepstakes

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Message 615 of 671

I enjoyed reading this digital magazine.  It had some good tips and suggestions for retirement planning and finances

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Re: ATM Smart Savings Sweepstakes

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Message 616 of 671

Great content & I'm trying not to live beyond my means

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Re: ATM Smart Savings Sweepstakes

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Message 617 of 671

I  always round up and not pennies.. $50 to $100 dollars on all bills with interest, and designate it to principal. Every penny you can apply to principal lowers the next amount of money the interest is calculated on. I have paid on a 40K loan and paid half off in 20 months. It isnt much but I saved some... starting small and learning as I go. 

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Re: ATM Smart Savings Sweepstakes

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Message 618 of 671

I use coupons for groceries etc. and save the money I would have spent. It really adds up, over $1000 this Year.

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Re: ATM Smart Savings Sweepstakes

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Message 619 of 671

Plan your work and work your plan!


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Re: ATM Smart Savings Sweepstakes

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Message 620 of 671

A penny saved is a penny earned.

 

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