My boyfriend & I are wanting to get an apartment together next year, but we are the worst at saving money. We blow it on little stuff, saying 'oh its only 5 dollars' and we do that everyday and it adds up. what can we do to save money? right now, just he is working, and i am in the process of finding a job to bring in more money. tips please to save it, cause money seems to burn a hole in my pocket :]]
2006-08-03 20:31:06 · 8 answers · asked by kristen4562 3 in Business & Finance ➔ Careers & Employment
put a picture of an apartment on a door, keep one in your purse, he should keep on in his wallet. And everytime you go to spend something... look at it and look at the item you want to spend the money one and decide which one is more important.
Also, sit down and write out a budget. That is the biggest mistake people do is not write out a budget. You put x-amount for bills, x-amount away, and x-amount for entertainment and stick to it. Make a schedule of things you like to do for entertainment, like go to a film once a month (or once every 2 weeks if that is not enough). go to outdoor free concerts, go hiking... and you know what saves you money also... constantly working. If you are working several hours a day, that less hours you have on spending money. but budget, budget, budget.
2006-08-03 20:40:36 · answer #1 · answered by xolodnyj 6 · 3⤊ 0⤋
First make a monthly budget. Plan in food, rent, utilities, insurance, car expenses, entertainment, clothes, etc. Do not exceed that budget. Try to put a portion of the monthly income in a savings account earning interest and not to be touched for a long time. Try not to use your credit cards. Every $5.00 saved adds up. That's $60.00 a year. Note how many expenditures are not necessary. Cook at home instead of eating out. You can have romantic dinners that the 2 of you cook, with a little wine and candles. You are starting to see how serious money problems can be and you both need to work at it.
2006-08-04 03:39:42 · answer #2 · answered by phoenixheat 6 · 3⤊ 0⤋
First decide on a percentage of your paycheck that you can afford to put back in your Savings. For example, 5% : Every time you get paid and it comes time to pay all your bills make sure you ALWAYS put the 5% into your Savings and anything you have left over you can spend freely. You must make contributing to your Savings AS IMPORTANT as paying your bills. Think of your Savings as "another bill". It takes a little self-discipline to stick with it. Good luck.
2006-08-04 03:52:07 · answer #3 · answered by Anonymous · 1⤊ 0⤋
make a list of the things u buy wen u got othe grocery store make a list of ONLY WHAT U NEED and stick to it. put everything in the bank and wen u need something only take it out just enough. make home lunches and if u dont have a job try growing ur own food hehe cooking savs soo much more money than buying dinners also orgaize ur home so you see everything you have dont go for something just cuz u like it get something cuz u need it instead of nites on the town be homebodies and relax wit different games or just hangnign out
2006-08-04 03:37:47 · answer #4 · answered by Louisa S 2 · 2⤊ 0⤋
Do that little debt diet on oprah.com it helped lots of ppl u should try it
2006-08-04 04:08:39 · answer #5 · answered by the one and only 1 · 1⤊ 1⤋
don't never spend your change, my dad told me that when i was little and i've just gotten to the habit of it and it really works cept when i get broke and have to raid it but it really adds up fast.
2006-08-04 03:36:03 · answer #6 · answered by Anonymous · 2⤊ 1⤋
Don't go to the mall. It really does the trick for me. And take up sports.
2006-08-04 03:39:44 · answer #7 · answered by World of Suffering 3 · 1⤊ 3⤋
Stay at home until you figure it out and grow up.
2006-08-04 03:34:49 · answer #8 · answered by MrPurrfect 5 · 0⤊ 5⤋