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Question

Money saving tips? I suck at saving :/

Answer

Use cash! When you use cash you feel the pain of spending when you swipe you feel nothing.

Answer

Open a savings account and set it up to have money automatically transfer into that account on payday. You'll never notice it's missing and it really adds up over the year.

Answer

Absolutely keep a ledger. It sucks sometimes, but it really helps you see how much you're spending and where you can cut back. I know I was amazed at how much I spent on a daily basis. Also when you have to take the time to write it down, you may start spending a little wiser.

Answer

Set a monthly budget.

Answer

Look up Dave Ramsey Financial Peace University. The program costs money, but a lot of times you can find local churchs that put the program on FREE to the public.

He makes personal finance accessible. We really enjoyed it.

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