i don't think Ive ever been this excited for a post!!! :D
so by now you all know that my one thing in 2015 is to get out of debt as much as possible. so serious, i got a second job (yay!)
last year, my saving got pretty much depleted because it was just one thing after another and then our roof decided to crap out and i had no choice (being man of the house is some serious sh*z!)
that kind of discouraged me; to see my account get so low bummed me out but i still kept saving.
the thing with me is, if its in the bank and i NEED the money, i can just transfer it on over (savings -->checking) and while that's always a good thing, i hate it cause its there. im usually VERY GOOD about not touching my savings but when i slip once, it sometimes sticks and boom there goes the dynamite.
i was surfin the web the other day and saw this article about 10 top ways to save money.
- stop buying expensive unnecessary designer stuff (doesn't apply to me. the most expensive shoes i own are my converse...that were gifted to me. ._.)
- do a monthly transfer from your checkings to your savings account (already have it set)
- stop buying expensive coffee every morning (i don't even like coffee!) and juices (i hit up Jamba once every 6 months and even then its when they have their going back to school sale.)
and a bunch of other stuff. you can kinda see the dilemma, if you're already doing those things (not shopping//not buying coffee everyday (or at all)//transfers) then you're kinda screwed cause what can you cut back on?
i don't shop often. i swear the last time i went shopping for clothes was last month and that was only because i needed new jeans but previous to that i cant even remember.
any who, the one piece of advise that stuck to me was "put your money in an envelope."
plain and simple.
you can choose the amount and every time you get paid, get said amount out of the bank and stick in the envelope.
so that's what I'm doing this year!
that long ass post just to tell you "PUT YOUR MONEY IN AN ENVELOPE!"
I'm sticking to $20 a paycheck. that's $520 at the end of the year or $1,040 if i do both jobs (which im sure i will!) also, i think ill also be putting any extra dollars i have left over the day before payday in the envelope as well.
i also want to stick to having cash on me because a) its true, it hurts to let it go when you pay with actual cash and b) i hate that transactions forever sit on pending status when i check online! also, i tend to hit up places that only take cash and i DEFINITELY WILL NOT spend $4 at an atm machine to take money out.
so there it is. stick yo' cash in an envelope and save yo' money hunny!!!!
what an odd (ish) post.
i hope it helped cause i know when i read it it basically rocked my world!
plus, anything that gets me decorating and crafting; im game!!!
thanks for reading!
*i placed it under the DIY label cause, you get to diy your own envelope and well, isnt any time that you get to decorate something basically a diy! :D