I was at the dentist not too long ago chatting with the hygienist like I normally do. [It’s always good to be friendly with everyone you meet, plus your interaction with them will show you what kind of business they are as a whole. If a receptionist / front desk person is rude it is very unlikely that I will patron that business again. That always tells me that the owner either doesn’t really care about their customers because they hired someone so rude on their front lines, or the owner doesn’t make sound business decisions and you can expect poor work when you interact with him or her when the time comes.] The topic of the upcoming holidays came up, which is expected since we are weeks away from Halloween, and then the anticipation of Thanksgiving and Christmas follows shortly after. She made a comment about how expensive it gets this time of year. I mentioned about how I put money aside to I won’t go further into debt starting in August and September. She was amazed that I was so diligent about not over spending or relying on credit cards, how it is something she could never do. I told her that it was a lot easier than she realized and even putting away a little each week adds up a lot faster than she realized.
Continue reading “Holiday Shopping Prep”
We have all heard of extended friends, family or coworkers that have taken vacations with the change they collect in a jar. In fact, most people are moving away from paying in cash all together, so we probably haven’t had change jingling around in quite a while. Possibly the only time was when we had to request a new bank card and was forced to use cash for a week or two. I know it can seem daunting to walk around with cash these days. If you are robbed, it’s much easier to make one call to the bank or credit union and alert them then wait for a new card versus losing all the money you were carrying in one swoop. But why not start small? Keep a smaller amount on you in an effort to start accumulate change. Believe it or not, you will be surprised at how much change you end up with at the end of the week, or end of the month. This habit will also help you save more of your money. If you physically have to remember, and count out either exact change you will know exactly how much you have spent. You won’t have to play the, “Am I going to overdraft?” game and either run home or feverishly check your account online through your phone.
It’s worth a shot, right?
Instead of scrolling through various social media sites looking for a savings solution or starting a savings plan in January only to give up by the end of February, start small and build on your savings goals. You will be very surprised at the results by even Memorial Day or your Summer Vacation, and create a new positive habit for yourself!
We have all seen or known people who are able to put money away for that rainy day. They rarely buy anything new, have an old car, don’t really go out, and utilize coupons or savings clubs in an effort to save money. In our modern times, it is more important than ever to watch when AND how you spend your money. Rent and mortgages are getting more expensive, child care is through the roof – every necessity is becoming more and more expensive; so how can we actually save money? Can any of us actually get ahead?
Continue reading “Money Mondays – Is There a Secret to Saving Money?”