2007-10-18 14:24:05 · 16 answers · asked by ME! Who'd ya think? 2 in Business & Finance ➔ Personal Finance
it's called financial irresponsibility, and it would seem a great many Americans share your problem. Saving is a habit, one that has to be nurtured and practised to become a good habit. Like the ads say.."...Just do it..."
2007-10-18 14:27:35 · answer #1 · answered by essentiallysolo 7 · 0⤊ 0⤋
ME! Who'd ya think?
its all up to our nature friend , Personally Love Shopping So
Much even if i dont need any thing , how ever this is as any
thing else >>> a habit and You can Control it , especially if
you deal by credit cards & Debt , so if Ya need to know more
about Saving Money tips & Tricks then go to Only Best
Deals
i am sorry i cant just post the site link here so open Yahoo &
Type :
Only Best Deals
now in search results the first line a site called Only Best
Deals open it and check the right green titles about making
and saving a lot of money , , , , , Also You can use the top
search box there which must lead you immediately to what
You looking for , , , , well i hope this help You , , ,
& Remeber You can Do it , its just our Lazy nature .
2007-10-18 14:33:25 · answer #2 · answered by Anonymous · 0⤊ 0⤋
I believe the money reason you are having a hard time saving is because your attitude is that "If I'm making more money I can spend more money". The more money you make the more you think you can afford. Before you started making more, you knew you had a certain amonut to spend or what needed to be paid. And you know that you didn't have the extra, but now you don't have to worry about if I buy these shoes I can't pay this bill.... Because you can do both!!! You have to train yourself to know yes I have the extra money but I still need to save some.
2007-10-18 14:32:15 · answer #3 · answered by Peachy 1 · 0⤊ 0⤋
Its all relative. Similar to moving from a small space to a larger one. We very quickly accumulate more 'stuff' and fill up the extra space unless we make a conscious effort to alter our behaviour. Extra money in the pay cheque is the same. When we dont actively set it aside it just becomes part of our own internal revenue and gets lost in day to day costs.
If you want to save, stay on the same budget and put the pay rise into a separate account and watch it grow. Go on, you can do it. You won't miss the raise coz you have been living ok without it till now.
2007-10-18 14:43:20 · answer #4 · answered by Roo 1 · 0⤊ 0⤋
Unless you have a specific goal in mind (ie downpayment on buying a house) it is hard save. The last time I bought a car the downpayment came from a bottle I kept next to my washing maching. Everytime I did a load of laundry I put quarters in the bottle as if I was at the laundromat. It was amazing how quick it added up.
2007-10-18 14:31:29 · answer #5 · answered by Tabonie 4 · 0⤊ 0⤋
It's so easy to spend it, harder to save it. I have the same problem. Cash your paychecks and keep the cash in a safe spot at home. When you go out, just take $20. If you see something you like that costs more, think about it overnight. (It will be there tomorrow). Make sure you REALLY need it, not just want it. If you really need it, check online, like Ebay, to see if you can find it cheaper.
2007-10-18 14:28:57 · answer #6 · answered by Jennifer M 1 · 0⤊ 0⤋
pretend you are still making what you used to and put the rest in a saving account or a CD and don't touch it. It's mind over matter so tell yourself how you are great you are doing saving some $$$
good luck
2007-10-18 14:33:23 · answer #7 · answered by GG G 1 · 0⤊ 0⤋
For me, it's because I was denying myself some luxuries -- like cable and a cell phone -- when my pay was lower. Oops...my pay just went up! YAY! I can afford cable and a cell phone!
You could always set up an automatic draft into a savings account. It worked for me. Good luck!
Oh, and another good way is to get the "Keep the Change" option at Bank of America. We have it set up as our "overdraft" account.
2007-10-18 14:29:25 · answer #8 · answered by Serena 7 · 0⤊ 0⤋
it just takes discipline. the first thing you need to do is consolidate any plastic you have and pay it all off, then throw your cards in a draw or someplace where you can't easily get them. pay the overdraft charge and use your debit account and just budget! save some of your check in your savings account every week and watch it add up.
2007-10-18 14:28:25 · answer #9 · answered by Anonymous · 0⤊ 0⤋
because the more money you make the more you are willing to spend because you have the money to spend it
simply put:you have the money so you just want to spend it
2007-10-18 14:27:02 · answer #10 · answered by Anonymous · 0⤊ 0⤋