what are some ways to save your money without overspending?

Answer 1

Make a budget. List what you are going to do with EVERY SINGLE DOLLAR you will have coming in...It's perfectly fine to have a certain amount as "blow money" or whatever--it's the act of making and following a plan that will help. Once it's on the budget, it's gospel. Any change in ANY category must be offset by a change in another category. You will be shocked how much more money you feel like you have.

Answer 2

By having a better control over what you spend. Asking youeself the question : " Do I really need this? " And then let it go and continue on to something else while shopping. Watch for clrareance sales, church bazars, clip coupons, compare prices before buying anything from different places, and even bargain on the price asked! Do not listen to salespersons who would bother you to death in order to sell you something. Just ignore them, or quote a price so low they will leave you alone. Those who call you on the phone, just tell them you are on a fixed income and cannot afford whatever they are offering you, and don't get caught in a trap when they tell you are the winner of a trip, or some big prize... Especially on the internet. Just be careful not to give your social security number or any other informations concerning your bank account, credit card, or nip for your bank card.

Remember dear heart : stores are there to make money and so are the people who work there. This is their job and they are good at it because they often work on commission, but you are the customer and have the privilege to say no; I don't need this, or ; it's too expensive !...Say it with a smile, and you'll feel good about yourself afterwards to have resisted temptation.

Have a wonderful week.

Answer 3

Open a savings account and do not get a debit card to go with it, or at least lock it up in a drawer at home. If direct deposit is available where you work, have a portion sent directly to your savings account. If not, when you go to the bank to cash your check, have a deposit slip ready and deposit the amount you want to save immediately.

To keep from overspending, pay with cash only. If you don't have the cash, you don't buy it.

Answer 4

Have one credit card that must be paid off monthly (for emergencies), leave your debit card and checks home when you shop, try living on a budget from a few years ago, decide to not purchase new clothes, movies, or extravagant things until you've saved 50% of your paycheck. And, cook a few days-week at a time rather than eat out. Wash your own car.

Answer 5

get rid of "ALL" credit cards. start a written budget and stick to it. start an emergancy fund of 3 to 6 months of exspenses if you have no bills but a house payment. if you have any bills other than a house payment start your emergancy fund with $1000 pay off everthing but the house and then get your 3 to 6 month emergancy fund for a rainy day. It will rain!