anybody have techniques to make them not spend money?

Question

i always put some of my check away and i almost always spend it does anyone have any tips on how to save money?

Answer 1

cut up ur credit cards

Answer 2

Hi there,
It sounds like one of two reasons:
-You spend all your money that you didn't save because you have this reserve to tap into.
-You're biting off more than you can chew.
Try saving what you can afford to save in an account that it's not easy to get into, like a CD or a Money Market account. Or set up a separate account where you don't have checks or an ATM card linked to the account to break the habit of dipping in.
You should save 10% of what you earn each week. Make that your target and stick to it.
I have the same problem so I save most of my money in an IRA that I can't touch for another 30 years without big penalties and the rest that's a pain in the butt to withdraw from. It really helps!
Good luck.

Answer 3

If your employer uses a direct deposit put away 10% more than you think you should. Don't put it in an account to which you don't have easy access. No ATM card. Once you have a few hundred dollars, open a account with a mutual fund company. Most will waive the minimum if you set up a automatic deposit. Or you can direct deposit right from your paycheck.

American Century 800-234-2021

The time is now...take care of yourself... chick dig a guy w/ money in the bank

Answer 4

Ask someone you trust to put it up. Make sure you write out receipts and let them know when to give it back to you. Either that or dont have any bank cards on your person. Only allow yourself to carry a limited amount of cash.

Answer 5

For me, I don't spend cash if I don't have it. I put it all in my checking account, on my debit card. Then, it's really easy to keep track of receipts/look online at what you spent as well.

My husband's the opposite. If he has a debit card he just goes on and on. However, having cash makes him feel more accountable for what he spends.

Which one works for you?

Answer 6

piggy banks are good way to make a lot in change...'

write down how much you want to spend before you go shopping for each item you want to purchase and DONT GO OVER unless you take money from another thing you designated to spend money for
that especially helps for christmas shopping(:

Answer 7

One ay would be dont have no money then you couldnt spend any.
But being realistic , you have to have a budget or you will never prosper , its a proven fact .

Answer 8

everytime I leave my house it ends up costing me money (from the truck that only get 13 miles to the gallon to stopping at the store) So I would say dont leave the house (easier said than done)

Answer 9

open a savings account at a different bank. do not get a debit card. if it isn't a bank you go to often, and you cant go to the ATM, it is much easier to save.

Answer 10

in small increments, I put away my money in an envelope and put it in a drawer. I don't touch it, and I keep on doing it i forget i even have it until i have a lot of it.

Answer 11

put it in an add on cd....you can start these with @ 100 dollars and add as often as you like....taking it out before a certain time period results in a penalty....plus, it is harder to get to. good luck!!