Now that you have placed your debt in increasing order, lowered your bills and placed all saved and newly found cash on the lowest debt, you can turn your attention to the envelope system. Learning to save a few bucks a month will prevent a birthday party from throwing you into financial ruin for a month. Since we have followed this method for nearly a year, we now have savings for things that we never thought we would. We can't tell you how much to place in each envelope but, I have listed our amounts that we save per month. Often Forgotten and Yet 'Fun' Spending: Auto Repairs $30.00 Auto licenses and tab renewal/taxes $10.00 Medical Bills $10.00 Vitamins $60.00 Dentist/Doctors $0 Restaurants $20.00 Clothing $20.00 Transportation (gas) $120.00 Drinks (coffee, beers after work and smoothies) $10.00 ...
Did you know that summer effects our wallets more that the rest of the year? Welcome to the second half of a two part series of how to save money over the 100 Days of Summer. 4.) Entertainment costs rather on vacation or right in your own town can really put a damper on your summer cash. There are plenty of free festivals around. Visit them on a full stomach and a backpack full of half frozen water, juice and snacks. Go will a preset purchase amount in cash and that should keep you on tack. If you are visiting attractions such as an amusement park that requires an entrance fee, check their website for free or discounted days. Traveling with a medium size family of 5 or 6? Go with another family because many discounts begin at 10 people. No matter if you drink Pepsi or Coca-Cola or not, local area attractions partner with them to offer discounts. Pour the coke down the sink if you have to, but save $20 on your next family event! 5.) Nothing says Summer like a cool and refreshi...
Hubby and I have been working so hard for the past 12 months to better our lives and household. We have opened our eyes and ears to the financial opinions of many writers and analyst. We have accepted career guidance of upper managers in our industries. That wisdom has changed our lives. We are so very proud of ourselves that we are actually patting ourselves on the back. Yes! We have looked back and noticed that we have grown from where we were just one year ago. We often don't accomplish what we wanted, but this past year we have. There are a few items left on the list that we have yet to succeed in, but we are still proud. We never thought that we would been promoted, found a great apartment, began saving for an adoption and even paid off debt. I hope that you take the time to be proud of yourself. We had to learn how to do this. We were like many people and always kept our eyes on the prize that was ahead and never took a moment to be happy with what we accomplished already...
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