2006-10-23 04:17:45 · 8 answers · asked by Anonymous in Society & Culture ➔ Other - Society & Culture
Saving is difficult, therefore take loan & refund in installments; take insurance policy pay the premium like this money can be saved.
2006-10-23 04:25:06 · answer #1 · answered by deepak57 7 · 0⤊ 1⤋
Welcome to my world I am a into retail therapy myself (tee hee) and it feels good. However, yes, we need boundaries!!!! Open up a savings passbook account, no plastic card, and make sure you transfer funds to it each pay. Just a small amount like $10 for every hundred. The trick is though you need to pull back and look at what you already have, ebay what you dont want, and use the money towards savings or replacement purchases.
If you love to spend you may have too much of everything and this is not good. Chaotic closet creates chaotic mind, so you need order and organisation too. It is all part of loving to spend money. I am not saying closet is overflowing, thats just a term we use to clean out, like spring cleaning, so energy is fresh and new and easier to mentally think with. Clarity of mind, helps you focus on what you would really like. Cut out something you would like to save for and put it somewhere where you will see it alot. Know you are saving towards it. This is your intent and energy grows where focus goes. Energy is money and money is energy....keeps on flowing. Believing in lack creates more lack. Believing we over spend, we will over spend. Believing we cant save, we wont....this list can go on and on. We have a choice to change the way we see things and the thoughts we entertain. Replace them with what you can 'see yourself with' and keep that picture. If it is a big savings account then see a deposit slip with lots of zeros on it after a nice dollar figure and pin that and date it a year from now with a realistic goal.....see how you go.
love, light n laughter!
Harriett Potty :)
2006-10-23 04:29:59 · answer #2 · answered by harriettpotty 3 · 0⤊ 0⤋
Look at it this way. You are the most important person in your own life. Pay yourself first. The easiest way to do it is with an automatic payroll deduction. If you are eligible for a 401(k) through your employer, take advantage of this great benefit. Most have a match, so if you contribute 3%, your employer will contribute 3% also. It is like getting a 3% raise! Another way to pay yourself is to sign up for direct deposit, but have a certain percentage automatically deposited into your savings account, that way you don't see the money in your checking account and you can pretend it isn't there. The rule of thumb is to pay yourself first! You won't believe how quick it can add up.
2006-10-23 04:28:58 · answer #3 · answered by Daphne 3 · 0⤊ 0⤋
Do some research on investing. Learn to appreciate the value of putting away a savings. I love to spend money and have learned that saving it is more rewarding. Look into an ING Orange Savings Acct. It yields almost 5% interest of the money you save. Its worked great for me. Also, use forsight to think ahead into the future. You'll be more happy to save for the future.
2006-10-23 04:26:27 · answer #4 · answered by M B 2 · 0⤊ 0⤋
Open an account where your money must stay for a certain amount of years before you can get it and set up a standing order from your savings account to that new account.
That way the money comes out on that specific day once you have money in your account. If you do not, then you will have to go and do it manually. That is if you have a job.
If someone gives you money let then deposit the money into the account for you.
2006-10-23 04:25:48 · answer #5 · answered by Osunwole Adeoyin 5 · 0⤊ 0⤋
A PERSON WHO LOVES TO SPEND MONEY LEARNS TO SAVE WHEN HE GETS CONVINCED THAT THE COMMODITY OR THE PRODUCT THAT HE BUYS SATISFIES HIS NEEDS - MAY BE SOCIAL NEEDS OR ECONOMIC NEEDS. HE GETS A GOOD RETURN OUT OF HIS INVESTMENT AND MAKES THE BEST COMMODITY AVAILABLE IN THE MARKET BEFORE SHELLING OUT THE PENNY.
THIS RESULTS IN SAVINGS IN TERMS OF UTILITY, MONEY AND TIME.
HAVING DECIDED TO SPENT, HIS GENIUS LIES IN SELECTING THE BEST WHICH IS WORTH THE MONEY HE SPENT. THERE IS NO POINT IN STOPPING HIM FROM SPENDING UNLESS HE HIMSELF REALISE THAT HE IS WASTING THE HARD-EARNED MONEY FOR A WORTHLESS ITEM.
SPENT AND ENJOY LIFE.
2006-10-23 04:26:20 · answer #6 · answered by devi 2 · 0⤊ 1⤋
force yourself and dont ever do impulse buying...think things over
2006-10-23 04:21:09 · answer #7 · answered by Anonymous · 0⤊ 0⤋
willpower....
maturity....
sacrifices....
2006-10-23 04:20:43 · answer #8 · answered by Anonymous · 0⤊ 0⤋