when is there ever time to save?

Question

what are some good ideas on how to better save money?? Im trying to move into an apt. and my personal bills just seem to keep taking my checks out of my hand as if by magic it seems. Im pretty good with budgeting when it comes to paying things, but i try to save and it just doesn't work out.

ok for those who don't UNDERSTAND my question, or can't find things/ideas to tell(why are u commenting anyway then? let me break it down for you. I live with my mom right now. I have a huge car pymt, cell phone, insurance, a victoria secret credit card which i immediately regret having, a 500 dollar loan , and some payments on a surgery i had. which i owe like 1,000.00 on. i help with groceries and house bills, i also pay for my own gas. There you go.

Answer 1

You gotta move saving to the top of the priority list. It's the only way it will work. Then you gotta pay down your current debts. Start with the smallest one, and pay it off. Then go to the next smallest and do the same. Do this continuously until you have no debts except big ticket items like cars or homes.

The hardest part is controlling your impulse buying and using your charge cards. Reduce your charge cards to only one. Use cash whenever you purchase.

Once you've gotten down to a no debt situation, do the following: if you are a church-goer, set aside the first 10% for your church. If not, skip that step. Then set aside the next 10-20% for savings.

Good luck!!! What you are doing is very commendable and very hard.

Answer 2

Before you sit down and pay all your bills, pay yourself first! Even if it is only $10.00, put it into your savings or IRA and it will build faster than you think! Also, look over your bills and see what items you can live without; cable, internet service, cell phone? Dropping these items just might help you become healthier too! You can walk to the library to use the internet and if you drop your cable you won't be sitting on you butt in front of the tv. You could get NetFlix for $10 monthly in its place if you really want something to watch at night. Simply dropping these three items saved me $200 monthly, and I lost 25 lbs! Good luck!

Answer 3

The biggest mistake people make is treating savings like an afterthought. Most people get paid, pay their bills, and then spend the rest on food, entertainment, etc. They only save if they have money left over at the end of the cycle. You are better off treating savings like a bill. Put money into your savings account immediately after you get paid. You can always withdraw it if it gets tights, but create the discipline of doing this.

Answer 4

If you are trying to move into an apartment I'm wondering where you are living right now. The expenses in your current abode would greatly give a clue as to the what to do about saving money dilemma. Not knowing what you are spending your money on right now leaves me without any ideas on how to change your spending habits and developing spending criteria in order to save money. Try re-posting with more pertinent information.

Answer 5

Yes, I played the Heimlich maneuver on a buyer in our household's eating place whilst I was once sixteen or 17....he was once very panicky and turning blue; he had gotten out of his chair and was once jogging round flailing his hands, and whilst I noticed his blue face I learned directly what the problem was once. I have additionally had my lifestyles stored. My sister stored my lifestyles whilst I was once approximately 5 - 6...we had been swimming within the regional "swimming gap"...and I was once in a "trance-like" state, mendacity in water over my head, not able, for some thing motive, to transport...I am distinct I might have drowned had she no longer come and brought me from the water...it is all a indistinct reminiscence, however I realize she stored my lifestyles that summer season day, and I might be without end thankful!