How can I save money- New Years Resolution?
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Part two happens when your paycheck comes in.
1. Write checks for your rent and your utilities the day your paycheck is deposited. It does not matter when the bill comes due.
2. Pay off the minimum for every account you have.
3. Do your calculation thing every day. When you run out of money, Stop spending. You may have to get a second or third job to eat but do this now.
4. At the end of the pay period, write a check equal to what is left to the credit card with the SMALLEST balance. This one can get paid off the fastest. When it is paid off, start paying the next open balance.
5 NEVER, NEVER, NEVER carry a balance on the new credit card.
How can I save money- New Years Resolution?Above all, saving and overspending are emotional decisions.
No one is stupid enough to not know that he must save and leave BELOW your means.
No one is stupid enough to not know how much he makes, has in the bank, can afford, etc, etc, etc.
If you passed third grade, you can count.
The thing is the emotional monster inside us making us overspend and not cut down expenses, debts and, consequently, not saving.
When you overspend, you are a slave, a zombie.
That's why I think Robert W is dead on when he recommended thinkrightnow.com
because blowing money is an addiction, a very dangerous addiction and most of times, the only way to overcome this kind of obstacle is in the unconscious level.
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