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Re: ATM Smart Savings Sweepstakes

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Message 541 of 671

The way I save money is simple. I save All my change and I keep it in a coffee cup in my car. Once that is full, I bring it in and separate the silver from the pennies and put them into mason jars. I now have almost 3 quart jars filled with silver!! And a pint jar of pennies. And I have also started saving 1$ bills and 5$ bills! And boy do they add up quick! The last time I had cashed in my silver jars, 2 of them, I had saved close to 500$!! I have become very OCD about saving that I will not spend any change nor any 1$ or 5$ bills!! Unless of an emergency. Then come vacation time, I'm set!! If this can help one person to start saving a little bit at first, my job is done!!  

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Re: ATM Smart Savings Sweepstakes

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I pay myself first, moving 10% of each check to an online savings account before spening. I monitor creit car spending on a wall calendar, listing the amount charged and place used in the date block. I keep a running total of charges on the margin for that month. I save the receipts in an envelope paper-clipped to the calendar page. It's easy to reconcile the statement with my calendar. I tear up the receipts when I've paid the charge (unless I need the receipt for a warranty- I tape those on the back of the calendar). I know it's low-tec, but this approach has worked great for me for 26 years! Smiley Happy

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Re: ATM Smart Savings Sweepstakes

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Message 543 of 671
Sorry- the "d" key stuck! My post should read "spending" and "credit".
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Re: ATM Smart Savings Sweepstakes

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Message 544 of 671

Start saving early and don't live beyond your means.

Use your credit card for convenience not because you have to. If you can't afford to pay cash for something, step back and consider whether you really need to buy it.

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Re: ATM Smart Savings Sweepstakes

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Message 545 of 671

find out if your municipal tap water is safe to drink.  if so, drink your tap water instead of bottled water.

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Re: ATM Smart Savings Sweepstakes

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Message 546 of 671

use clear vinegar for cleaning and laundry, instead of the commercial brands

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Re: ATM Smart Savings Sweepstakes

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Message 547 of 671

Trying to post a message; assess your closet!

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Re: ATM Smart Savings Sweepstakes

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Message 548 of 671

Try to save everyday no matter how small the amount.  The goal is to be persistent and consistent.  Visualize what you are saving for.  Soon you will have enough money for what you are saving for.

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Re: ATM Smart Savings Sweepstakes

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Message 549 of 671

enter the AARP sweepstakes daily.  A winner never quits.

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Re: ATM Smart Savings Sweepstakes

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Message 550 of 671

Credit Unions usually have a few extra perks than mainstream banks.  I joined a program at mine, that rounds my debits off to the nearest dollar, with that extra cents going into my Savings.  Without any effort on my part, this program has accumulated approx. $100 into my account over the last few months.  A very nice little surprise!  

 

I especially like the Vocabulary words in the Money and Retirement digital issue.  I've never invested, but I was interested in the terms so I can feel more comfortable when I'm learning about Stocks. 

 

Thanks!  

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