Do you tend to overthink spending money? And by “overthink,” you focus on what you can’t have instead, for example, of figuring out how to get what you want and just being smarter about buying decisions.
What makes saving money easy for some and harder for others is quite simply how you go about not only doing it but finding ways to amass a savings account without putting in much effort. Some would call it saving money as second nature, but those who tend to have money don’t talk about deprivation or being rich, for that matter, but rather making smart choices that lead to having it all, and still more than just a little left over for that savings account or future planning, two things that are devoid typically of the average person.
For starters, when you talk about spending money at the root of where your money goes, you have to ask yourself if you’re getting the best deal or spending at the most opportune times. The latter centers on those who never pay full price for anything and, for example in the case of clothing, will always buy a full stock of summer or warm weather clothes as the colder temperatures approach and vice versa. Nothing says discount on swimming trunks and winter coats more than buying them in the fall or spring, respectively.
As for where most of your extra income goes, you might want to take a look at your weekend plans, for starters. You really need, in order to save money, to get better acquainted with your creativity. The average couple can save approximately $300 per month by just cutting back on going out every Friday or Saturday night, and instead replace it with cooking dinner together, or renting a movie, rather than eating out at a restaurant or spending $20 on two movie tickets. Certainly, there’s something you would want to watch on DVD just as easily at the movie theaters. That isn’t to suggest you can never have a date night but does it really have to be every weekend?
And as long as we’re talking about saving money and food, how many times a day to you eat out at a restaurant for lunch or dinner? You can save $2,400 per year if you simply cut back on two lunches and two dinners per week out to eat. That savings is more than enough to define simple and easy when you talk about money. Those who know how to save do so by prepping meals or using crock pots or slow cookers to have dinner nearly prepared by the time they get home.
No one is going to argue that saving money is easy, but does it really have to be as difficult as we make it? Probably not.
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