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SASSISPRING's Photo SASSISPRING Posts: 10,693
7/31/13 1:22 P

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That is very good that taking money out of savings is difficult and causes you to really think if you really need to do it or not. :D

I spend my savings on necessities - such as repairs on my car or paying rent - or as I'll be doing in short time, on vacation. Which for me is a necessity - to get away from this small community and get a real break. I work with the public, so I can't even go to the post office on my vacation time without running into clients. So I save up and use that for a good trip away.



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7/31/13 7:21 A

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Getting in the habit of savings, even small amounts can make taking money out of savings hard. Once you see the savings start growing I have a hard time wanting to take it out. (I do when I have to , but not when I would be spending on something not so important)

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SASSISPRING's Photo SASSISPRING Posts: 10,693
4/8/13 2:29 P

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How are folks doing with this goal. Do you want it to increase or stay the same?

I am now saving $50 per month for RRSP; $50 every pay period for TFSA.



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SASSISPRING's Photo SASSISPRING Posts: 10,693
2/18/13 2:27 P

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That's great you are able to do that Mary. Some single parents aren't able to save the child support, so it's good you can do it and hopefully down the road, it can be used for a vacation or college.

I went to the bank this morning, so I'm above the $10 per week. I will be saving $50 to a RSP account monthly and $50 bimonthly to a TFSA. The TFSA will be a vacation/emergency fund while the RSP is a long term savings account. If our contract is ever settled and we receive a the least, a cost of living raise, I might be able to increase the RSP to $100.



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LA_MARY's Photo LA_MARY Posts: 143
2/18/13 1:29 A

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Every time I get a paycheck or child support $, I transfer into the savings account that is separated from my regular checking/savings. It can be $20 or up to $50. Trying to work on a holiday fund and supplementing my kids' savings for college (lots of kids, not as many years to save, gads.)

Great goal!
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~Mary

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SASSISPRING's Photo SASSISPRING Posts: 10,693
1/22/13 2:14 P

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That is good Rakasha. How are you saving your money?

I have my money put into a TFSA at the end of the month, from my chequing account. (tax free savings account) I currently only put in $50/month and hope next year to increase it.



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RAKASHA's Photo RAKASHA Posts: 1,003
1/20/13 8:08 P

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Great idea, and doable. Have a great day!


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RAKASHA's Photo RAKASHA Posts: 1,003
1/16/13 7:40 A

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Great idea, and doable. Have a great day!


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SASSISPRING's Photo SASSISPRING Posts: 10,693
1/15/13 4:56 P

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Bringing this back for people as a team goal. Save $10 per week. If you are unable to do that, save $5 per week. If that is too high, save $1 per week. The main thing is to get into the habit of saving, the amount will change as your debt load is reduced and your habits shift.

$10 per week. Break it down, it's only $1.42 per day.

Be creative. Decorate a jar and toss in change, add it up at the end of the week and see if you were able to meet your goal. You might find out that you exceeded the goal.

Stop a habit, like smoking or drinking a bottle of pop a day. Put the money you'd save into a jar, it'll add up quickly.

Create an auto-deposit into a savings account, in your bank.

Create a goal jar - you want to go on a weekend trip, use that as incentive to save.

Cash in bottles weekly and toss that amount into a savings account or jar.

Share your creative ways to save and let's get this goal rolling. emoticon



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DJHS121655 Posts: 494
10/4/11 12:00 A

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sounds good to me

SASSISPRING's Photo SASSISPRING Posts: 10,693
10/3/11 12:16 P

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One suggestion - if you haven't done it - is write up a realistic budget. Not one that you hope to meet, the true one of your actual expenses. Take a look at what is left over, then look at your receipts - where is the overspending happening. Think back, what was your mood at the time you overspent? Where you hungry or tired? Once identified, write down ways you could move through the feelings and issues without spending money - go for a walk, watch a movie, have a snack or eat a meal, drink water (as dehydration creates headaches, dizziness and grouchy moods), call up a friend, play a computer game, read a book, volunteer your time, clean house etc.

My brother always overspent with the debt card. It didn't matter that he logically knew that he only had so much money to spend, he said without seeing the money leave his hand, his brain didn't connect it together. He cut up the debt card and went straight cash. He gets x amount of cash and that's it. He has to make it work because to get more money means he has to wait for banks to open and go in...with his work, it's difficult to hit it during open hours.

If you are overusing credit cards, freeze them. Put into a tupperware container, fill with water and put in the freezer. Makes it quite difficult to use.

Last, reward yourself...make a chart and buy some cheap cool stickers from the dollar store. When you follow your plan, put on a sticker. Put the chart somewhere you see easily. For many folks, seeing the progress is in itself the reward and what better way to see progress than cool stickers all lined up in a row. :)



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10/3/11 12:04 P

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You are so right about that, mine is just needing to get control of my spending habits.

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SASSISPRING's Photo SASSISPRING Posts: 10,693
10/3/11 12:02 P

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The reasons for the dipping into the savings makes the difference. For example, I dip into my savings because of car breakdown, medical expenses or this month, the car breaking down and needing new glasses. One day I plan to have the savings account for saving - tax free savings account - and the other one that is low interest (1%) as my emergency fund.

If dipping is happening due to spending sprees or buying unnecessary items, then its time to reevaluate, however, in my opinion, when its used for emergency and unexpected expenses, its being used right.

The other thing is, if you notice that you are consistently short of funds take another look at how much you are saving - it may be too high for the expenses that you have to put out. For example, I never had a savings account for years because my expenses were too high. Once my debt ceiling reduced, I was able to set up an account.

Edited by: SASSISPRING at: 10/3/2011 (12:03)

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10/3/11 11:33 A

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Okay, I am trying for 25 dollars every week. I get some saved and then I dip into it. I really need to stop doing that.

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SASSISPRING's Photo SASSISPRING Posts: 10,693
9/26/11 7:11 P

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Sounds like a good plan. Keep it up.



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9/26/11 6:37 P

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I just started a new job and am making min. wage for the first time in many years. My hubby works but we are struggling because I had to give up my main job due to back issues. I struggle with guilt that I can't help pay the bills so I am taking baby steps with my debt and my weight.

I have decided to put back $25 every 2 week pay check towards savings, and $250 towards are gen account towards bills and the rest I can spend on gas and occasional luxuries. It makes me feel better.

My long term goal is to get down to 155 lbs. especially for my 30th class reunion, in 2015.

I am not going to tiptoe through life to end up safely at death

Be the change you wish to see in the world--Ghandi


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SASSISPRING's Photo SASSISPRING Posts: 10,693
8/25/11 12:27 A

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CARMEL76, good on you and if $10 is too much, cut it down to a workable amount. Or save coins instead of a set amount. Coins definitely add up.

DJHS, awesome - same thing, drop coins in a can if that's all you can do. Even pennies add up. I saved $80 in pennies one time, enough to take a trip. They are a pain to roll but they do add up.



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DJHS121655 Posts: 494
8/23/11 11:37 P

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i will try for 5 this month and maybe 10 in september

CARMEL76's Photo CARMEL76 Posts: 9
8/23/11 10:06 A

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I save my first 10 dollars yesterday...It is really hard when you have so many expenses....but anything worth having will take work!

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SASSISPRING's Photo SASSISPRING Posts: 10,693
8/11/11 6:31 P

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Keep up everyone with this goal. If you can't make $10/month, then cut down to $5/month. It really isn't that big out of your pocket. Even when I living at the poverty line, I used my coins for savings. I saved enough to go on a trip, so it can be done. emoticon

TRINITI_KITTY, only you can set that priority whether its kids before house, house before kids. My personal take on this issue is not a popular one - houses are not essential. A roof over your head is essential, purchasing your own home is not. I have family members who are in their 70s and 80s who never owned a home in their lives and led a very full life. They lived in decent rentals and used their money in other ways - such as trips with the children, spending time as family etc. That was their priority but you have to decide on your own, what is your priority. Last, I grew up on the farm and like many farm kids, we knew our parents income levels, what we could and could not afford. We were part of the process. I remember being around 8 or 9yrs old and sitting at the table listening to my folks discuss subdividing the farm, the money it would raise and how that money would be used. It made me really appreciate money and appreciate the hard work of my parents. Are your children old enough to be part of that process? They might surprise you and state that they don't really need a home, they want parents to spend time with them instead.

Whatever you choose will be the right choice for your family at this moment. Sounds like you and your husband are doing your homework on this. That's really all you can do, weigh it all out and make the decision.



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KCLAGEMAN's Photo KCLAGEMAN Posts: 24
8/10/11 7:34 P

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The other day I did the math, and my husband and I would have to save up $1600 every month in order to get a decent down payment on a $250,000 house in 5 years. Thats almost all of our monthly income!
We just spent all our savings moving to Texas (one step closer to WA), so its heart breaking thinking about how broke we are.
So now it seems the question is: kids before house, or house before kids?

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LALMEIDA Posts: 303,518
8/10/11 3:18 P

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My husband and I are moving to Florida next week. The goal has been met in saving for the move and setting up a life there. I am so excited!

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BREEZY85's Photo BREEZY85 SparkPoints: (52,273)
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8/10/11 9:55 A

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i'm in i really need to kick myself into gear with this.

Breanna

"People often say that motivation doesn't last. Well, neither does bath- that's why we reccommend it daily"


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SASSISPRING's Photo SASSISPRING Posts: 10,693
5/4/11 2:43 P

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emoticon

It's great that people are staying on track with this goal. We'll keep it up as a May goal without any increases. Sounds like folks are moving up the savings amount when they are able, so keep on doing that. If you are struggling to meet the goal drop it down to $1 per week or $4 per month, then slowly add on one dollar steps until you reach the goal of $10.

Keep on saving everyone, you are all doing great.



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LATVIAN_SANDY's Photo LATVIAN_SANDY SparkPoints: (150,429)
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5/4/11 12:34 A

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I am SO happy that I have been adding to our savings account - we had to do a few repairs on our furnace, and I actually could, without much stress, write out the check! What a major relief. Now only if I had enough for a new car....

Sveiki!
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FRANCESLUCAS's Photo FRANCESLUCAS Posts: 2,626
4/21/11 10:08 A

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$10 dollars in my drawer from a few weeks past...about to put in another $10 for this week. Gotta get back on track!

Today is the best day to begin making changes for yourself and others both inside and out!

Want motivational cards you can leave behind and make a difference in the lives of others? You can order a free sample at: www.leaveabreadcrumb.com

Need inspiriation on how to be a better person on the inside and deal with issues in your life? Follow my blog at: www.francescopelandlucas.wordpress.c
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3/1/11 8:59 P

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I have been doing 25 every two weeks but going to increase to 30. I am so glad I'm able. Whoo hoo

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2/27/11 8:20 P

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did my 10 a week and add a little more whoooooohooo

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SASSISPRING's Photo SASSISPRING Posts: 10,693
2/24/11 5:29 P

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Sounds like people have good plans with the savings.

I am still doing the $50 auto-deposit monthly, nothing extra right now except change in a jar.

I think that's a good idea to have a dog fund. Sassi was ill last year and it cost me around $150 to deal with it. I was fortunate in that he's a rural vet, so I was allowed to do some things at home and he also didn't charge on every visit. In the past when Max had to stay overnight on IV due to a kidney stone, I had to charge it to my parent's farm account as it was costly. However, that vet knew us for over 20yrs as the majority will not allow credit with small animals (Wigmore didn't either but being he knew me growing up, he just put it over on my parent's account).



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LEFTOVERS4LUNCH's Photo LEFTOVERS4LUNCH SparkPoints: (11,834)
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2/23/11 12:41 P

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I auto deposit $100 p/mo in to savings. $75 into our emergency fund and $25 into our dog fund.

To elaborate: our dog fund is an emergency fund for our doggie. We don't have any sort of pet insurance and if something happens we want to be able to take care of her. Once it gets up to $500, we will stop putting money in there and put it into our regular savings. Is that stupid? I don't know. She's our baby.


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2/20/11 4:25 P

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i put 50.00 in saving this week.. emoticon

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SOPHIEMAE2007's Photo SOPHIEMAE2007 SparkPoints: (51,329)
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2/19/11 8:47 A

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$20 went in my savings through direct deposit, but I am pretty much starting over since I had to dip into it. I sure hope I can catch up on things to put more in!!

Kim

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LALMEIDA Posts: 303,518
2/19/11 12:14 A

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I put 19.00 away towards a trip to Florida this week.

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KATEMP1's Photo KATEMP1 SparkPoints: (2,217)
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2/18/11 6:04 P

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I put 10.00 away this week...My goal is to not touch it AT ALL!

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2/4/11 5:37 P

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Good Job, SWEETSPCL! I wish I could say the same. I had to touch my savings in Jan and already this month because of the weather and needing to get supplies before payday. I can't replenish it since I had my house pymt and 2 other pymts to make. :( Although, I did have direct deposit of $20 into my savings from my paycheck.

I wish I could "layaway" for a vacation, but cannot afford to do that yet. Last Dec was my first "real" vacation, meaning actually leaving the state, in 7 yrs. This was a definite "mental relief" vacation! I have vacation from work, but cannot afford to go anywhere, since I have to kennel my dogs and that is a small fortune. I am hoping my neighbor's niece watch my dogs for a small price if I get to go on vacation this year!!



Edited by: SOPHIEMAE2007 at: 2/4/2011 (17:38)
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SWEETSPCL's Photo SWEETSPCL Posts: 2,165
2/4/11 5:28 P

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I made it through January without touching my savings and I am soooooooooo happy about it. I increased my emergency fund savings and started my Christmas club as well. As I went crazy with coupons and shopping last month I'm determined to stay with whats on my list if I have a coupon thats all the better but if I don't I stll have to get what I need.

All this talk about vacations and the weater really makes me want to go somewhere. I love to travel but this year I've lmited myself to two trips and they have to be paid for in cash. One is a sister trip and another is a cruise both have payment plans so I layaway my vacations....lol. That is something I refuse to deny myself I worked entirely to hard 40 + hours a week.

I happend upon a free dance class this week and I've taken full advantage of it. They are suppose to start charing next week but I'm hopeful that they don't.

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SASSISPRING's Photo SASSISPRING Posts: 10,693
2/3/11 12:15 P

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A little word of caution regarding keeping money in envelopes, if you ever happen to experience a break-in, you will lose the money. No place is safe, especially not underwear drawers. When my grandparents were broken into and almost $900 was stolen from my grandmother's underwear drawer, the police said that and the freezer are the first places that thieves look for money. It's just too common for folks to hide their money in those spots.

I put all my savings money into the bank and I don't use envelopes. I have a coin jar and figure if they take that, oh well. My place is the bottom of an apt building and has been broken into a few times - not while I've been there though. I've experienced break-ins in the past though, including taking our entire night's income from our hamburger stand. Back in those days the bank up north did not have night deposit. The other place they look is laundry hampers and linen closets as those are 2nd in popularity.

Just be sure to either have a super hard place to find the money or deposit it asap into a bank, especially if you live in an area known for break-ins.

Off that depressing subject, LALMEIDA I hope that you are doing well following the stint in the hospital and that's exactly what "extra" money is for - those times that come up unexpected. Great that you had the money set aside for that and a great idea for your next purchase when saved up enough.

Bunnie, congratulations on the raise. It is a good idea if you can swing it, to take the raise money and put away in savings. Good stuff.




Edited by: SASSISPRING at: 2/3/2011 (12:16)

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2/3/11 10:55 A

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Good idea Bunnie!

Kim

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BUNNIE1999's Photo BUNNIE1999 SparkPoints: (34,444)
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2/3/11 10:48 A

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I just recently recieved a raise, thinking of making htat money go straight to savings, I shouldn't miss it right? whoo hoo!

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LALMEIDA Posts: 303,518
1/31/11 7:08 P

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I had just returned to work around Christmas time ( I have medical problems that caused me to leave for 4 years). I decided to put some money out of my paycheck (whatever was leftover from the previous paycheck went into an envelope). Luckily, I was able to save about 50.00 because I ended up in the hospital for a few days. I couldn't work that week so my next check was a lot smaller. It came in handy during that week and allowed me to buy some gas for the car and some food for the week. It felt good knowing that I had that money to fall back on. Now that I am back at work again I am doing all that I can to put money back into that envelope. Next time I would like to use that money to get myself a haircut.

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1/29/11 11:47 A

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We all deserve a vacation! I took my first vacation, out of state, for the first time in 7 years this past Dec! It was more or less a "mental" vacation to get away from things for a week and just think! My mom was nice enough to pay for the plane ticket, which was cheap. I had $60 and she also gave me $40 to spend. I had a place to stay, my sister's, so that didn't cost me anything. Wish I was still there!!!

Kim

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KATWOMAN12839 SparkPoints: (0)
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1/29/11 8:32 A

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lol sassi...gold coins are the color ...value is a dollar......i saved 108.00 in paper bills.....22in loose change....opps gold coins i decided to leave in pretty jar when filled that my vacation fund....come hell or high water....i am taking a vacation...... emoticon

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SASSISPRING's Photo SASSISPRING Posts: 10,693
1/28/11 4:43 P

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KatWoman, gold coins? I hope that you are able to get out on vacation. Even when I worked casual and wasn't entitled to paid leave, I took time away. It is so very important to do - physically and emotionally, one needs breaks.

RACHEAL, sounds good with the coins and hopefully you'll get to the bank today. Not like our small town, if you got to the door as they were locking, they'd open and say "go quick." *chuckle*



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i have been saying my ones and gold coins this month...did not add up yet....i have not had a vacation since 2005...changed jobs in 2007...new owners in 2008.....and no paid vacation......i am aimimg for a vacation this year.......have not decided what i will do with my 10 a week.....

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1/27/11 10:01 P

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I counted out the coinjar money after doing my last post and it came to just over $30. It's all bagged and ready to go to the bank - I tried doing it yesterday as i left early but the bank had just shut literally as i got to the door :( ah well. next time.

I found 20c at the supermarket yesterday and was going to add that too but my partner got all huffy with me so i put it in the charity jar at the shops instead. He thinks it's scabby picking up money from the ground (on the rare occassions that I find it lol) but I don't. every little bit helps i think. I read an email once that said that money found on the ground are angel kisses - i prefer to think of it that way.

I can't believe that 18hours a day 6 days a week and 2 weeks off a year is normal! That sounds so hard! I grumble over working 38 hours a week and getting 4 weeks paid holiday leave hahaha.

$10 a month is good Henrietta :) It's more than i was doing before joining this thread...a week ago? My how time flies! I've got $20 saved up now :) It's nice opening my 'secret' place lol and looking at it.


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SASSISPRING's Photo SASSISPRING Posts: 10,693
1/26/11 1:41 P

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Sounds good plans Rachel and with the coin jar, hopefully you'll figure out a way to get it to the bank and into savings. Tough when work hours don't mesh with bank hours. Is it possible over a lunch break?

Welcome Henrieta. I'm assuming that you live in the USA. It's tough when your partner doesn't value time off, as it is very important. I dated a man from the USA and was surprised how much value is put on working long hard hours, how little value is put on using that money to spend time off hours. He averaged 18hrs/6 days per week and it was expected. He was paid one week off twice per year which I found horrible. I just don't get that mindset. I guess I'm too Canadian. *grin*

Anyhow, enough rambling, it's good that you can figure in $10 a month. And when you are able to, try for that amount per week but no pressure. The best thing is to do what you can. :)



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1/26/11 12:55 P

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Hi Rachel,
I am new to this sight and I am so depressed over debt as well. My husband works al the time and doesn't see the need for vacation.
I have a timeshre that I rcently had to stop paying on because I couldn't afford it anymore.
I think I can save ten dollars amonth as well.

RACHEAL01's Photo RACHEAL01 Posts: 1,067
1/25/11 9:32 P

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I think i can save $10 per week. and we have a coin jar too which I've been meaning to put into the bank towards our debt - but it's still sitting on the shelf. Only because the banks are open when we're at work which makes it hard - the only way we can get to the bank is to chuck a sickie or take holidays. It's not quite full yet but it's getting pretty close :)

Plan is to save an emergency fund and dental money. I would love to get my teeth fixed/straightened. We were planning to go on a cruise but that has fallen down the wayside. i suppose if that dream pops up again then dental money could be used for that instead. I would like to do both so it doesn't worry me which one comes first hahaha

We have so much debt with the home loans which i can't wait to get rid of, but no c/c debt thank goodness. We pay it back each month so we get the point benefit but not the interest :) Once the loans are paid back i won't ever borrow anything from the banks again. I am so tired of being in debt and all my hard earned money going to the banks makes me sick.




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TAEYASALM Posts: 4
1/24/11 2:47 A

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I think I was misunderstood. Of course credit card debt is not good. But If you use a card with rewards and pay it off in full then you are gaining the rewards without the interest. However you have to be disciplined about things! :)

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1/21/11 7:53 P

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I definitely saved 10$ this week!!Yay! first step!

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1/18/11 2:28 A

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Sophimae, I know though people who use the gift card and reload for extras, like Timmy's coffee so that they can keep on top of it and not overspend. I think that is a great way to budget those little things that can really add up.

Jerseyflower, sounds like you have a good plan there, keep that up.



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JERSEYFLOWER's Photo JERSEYFLOWER Posts: 3,336
1/17/11 3:08 P

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Right now I'm "saving" more than $10 a week by stopping the flow of money OUT of my account. Hubby surprised me with some credit card debt - so all savings are going toward this in the near future. Savings within the last two weeks include:
1) both hubby and I brown bagging lunch instead of buying
2) getting the cable bill reduced
3) lowering the interest rate on hubby's credit card
4) canceling my twice-a-month nail appointments
5) picking up an unexpected freelance job and using this "found" money to put toward cc bill, instead of spending
6) Better planning and budgeting for the grocery store
7) Friends invited me out to a Restaurant Week dinner - that's $35, and after tip, taxes and drinks would be more than $50. I declined and will catch up with them another time in a less expensive way.

And probably more! Every opportunity to spend money I think, "How can I change this to save?"

The march back to pre-pregnancy weight. Lost it all within 20 days, but gained this summer. Looking to feel stronger, more confident and look better in photos by my son's first birthday, September 7.


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SOPHIEMAE2007's Photo SOPHIEMAE2007 SparkPoints: (51,329)
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1/17/11 2:10 P

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How about using a gift card to that grocery store. That is what I use and it is reloadable. I get $100 on the card and use it up for food and gas. That way you know how much you have to spend. Either that or I use my debit card if needed, it comes straight out of my checking acct. with either one I use a rewards card, if you will, at the register it will take off the discounts/coupons and you earn points toward money off the gas purchase. I have earned enough to have 30 cents off per gallon.

Edited by: SOPHIEMAE2007 at: 1/17/2011 (14:12)
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1/17/11 1:24 P

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love this goal, i do a direct deposit to ING which i don't have a card for so more difficult for me to get to it!

"Turn your failures into a VICTORY!"

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SASSISPRING's Photo SASSISPRING Posts: 10,693
1/17/11 1:07 P

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Unless you can pay off the grocery bill immediately purchasing groceries on a credit card is not smart. It doesn't matter if you get 5% or more back if you are paying high interest, as you couldn't pay off the bill. My close friend has a grocery card and she immediately transfers the money after purchasing groceries, that way she obtains the points and doesn't pull up a bill.

I shop mainly in the Co-op and as such, there are dividends at the end of the year. I also get my gas from the Co-op for the dividends and it is the only full service pump in town.



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TAEYASALM Posts: 4
1/17/11 11:36 A

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Yes I think that hiding away a store card is a good idea beacuse in teh end they really have high interest rates and so unless you are oging to payy off by the end of the month they reallya rent worth it.

I think that in terms of coupons, the coupons i get are alwasy for the more expensive versions of store brands that I buy. but at least with my card I get cashback on certain purchases which is helpful.
chase freedom is currently giving back 5% cashback on grocery purchases.

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1/17/11 11:19 A

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I know I will have $20 put directly into my savings account on Friday (payday). Same here with the coupons. I find that I cut them out and don't use them because the store brand is the cheaper deal or it is something I don't normally buy and I don't have room for multiples when it is buy 2 or 3 and save $X. I only go to one store. I should check out another to see if it is cheaper, but I don't think it is.

I got a new store credit card in the mail the other day. I thought they raised my limit because I paid it off. No they didn't but they gave me new "benefits" because I spent so much. I hidden the card away for now.

Kim

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SASSISPRING's Photo SASSISPRING Posts: 10,693
1/17/11 11:13 A

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Squeaks, good for you. There are many here who utilize coupons and also have great savings. I went to your blog and saw what you had purchased for one trip, I believe 2-3 stores. The food and soda pop that you purchased weren't anything that I would have bought for my cupboards. That's the problem I have with coupons, is that often it is for items, food, pop that I normally wouldn't purchase. I will stick to my current plan which is to buy in-store specials and when the coupon is at the shelf, also use that. I'm also in a small rural community with limited shopping. It makes it more difficult to use coupons.

TAEYASALM sounds like you have a solid plan, good for you. Stay focused and that credit card burning day will be here before you know it.




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TAEYASALM Posts: 4
1/17/11 10:58 A

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(a) post what you are saving per week/month in terms of your budget, in other words, what have you set aside specifically for saving
At the very moment I dont have anything set aside for saving as Id rather pay of the numerous credit card bills that I have to pay off. But June is my credit card burning day!! So after that I am saving 400 pounds a month

(b) post if you have a "coin jar" that you save loose coins and change that you happen to have in your pocket
I pay things off in coins when i can so I dont have that much change but I do have a little money box but i cant see what is in it :D I will open it in June and have everything in there transferred to my first direct savings account ( very good interest rate)

(c)post what your plans are for the savings - is it to purchase a big ticket item? a trip? an emergency fund?
My savings will be for an emergency fund and after that it will be for a deposit towards a house. ( i know its a huge goal but i think tis doable esp after i start trying to use investments in forex to boost my incomings.

(d)share tips and struggles at any time, let's work together to accomplish this goal consistently through the year.
Cut up each card as you go along! Then you wont be tempted to use it


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1/14/11 2:45 P

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I am addicted to coupons! That is the main way I save money. I have recently started a blog about couponing, how to save money, and I give examples each week of my shopping trips. Feel free to "follow me" on my blog if you are interested. If you leave me posts about certain tips or ideas that you need, my next post will be dedicated to that!

Last week I saved nearly $170 at the supermarket, just using coupons and sales.

thesassyspender.blogspot.com


Motivation:
15 pounds - 1 slice of pizza
25 pounds - new pair of boots
35 pounds - new dress for a friend's wedding

Follow my coupon blog:
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1/14/11 1:52 P

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I just quit my second job b/c they were refusing to honor thier promise of giving me 36hrs a week and instead were only giving me 24 or so. I'm thinking this was stupid now since hours are hours but oh well. Judgeing by my ledger if I stop eating out and by unneccessary things I could save at least 103 in 14 days that is what I spent the last 14days. So I am going to cut out all fast food and that should be a savings of $67 every 2 weeks. So that will be my first goal.
We do have a change jar for my son it counts the money as it adds up...since we rarely use cash it doesn't add up very fast. Our first goal for savings is to go to Branson this summer. By saving 67/wk until june 1 we should have saved roughly 1000 for this trip.

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1/11/11 7:22 P

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got 15$ in last week squirrel pile 1-7-11

Edited by: KATWOMAN12839 at: 1/11/2011 (19:23)
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SASSISPRING's Photo SASSISPRING Posts: 10,693
1/11/11 12:05 P

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Good stuff! :)

I found the money I thought I lost. It was tucked up in an inner pocket in my purse. I used it to purchase food staples I needed, milk and such.



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JULIEJO39's Photo JULIEJO39 Posts: 4,814
1/10/11 3:51 P

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I put $77 in our savings account last week. At least $50 more this week.

"You may have to fight a battle more than once to win it." -Margaret Thatcher


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Rewards:
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SASSISPRING's Photo SASSISPRING Posts: 10,693
1/10/11 3:39 P

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Good stuff everyone!

Sadly I lost $15. I had it in my pocket and when I got home, it was gone. I've put money in my front pocket for years and this is the first time I've lost money. At least it wasn't something more, than I would cry.



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THIN_SABRINA's Photo THIN_SABRINA SparkPoints: (10,101)
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1/10/11 9:44 A

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I put $10 in a wallet and put it away. Looking forward to doing it again this week!


GOALS:


September 1, 2011 - 170 lbs



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1/9/11 10:11 A

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I counted my spare change and wrapped up $44.50!! I know I will be heading to the bank on Monday!!

Kim

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IILAAD65's Photo IILAAD65 Posts: 4,497
1/7/11 11:04 A

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I actually have more than $10 so far... yippeeee!!!!

Beth

"The road to success is always under construction."

www.knightanddayfitness.net


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DIVA14K's Photo DIVA14K Posts: 1,218
1/7/11 10:43 A

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I have 2 change jars. 1 is already full so I'm starting on the 2nd one. Once they both are full I'm going to deposit into my rainy day account. I also have an envelope which I write a dollar a day on. At the end of the day I put a dollar in their.

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1/6/11 11:32 A

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Part of my new resolution is to start saving so 10 seems very reasonable to me. Hopefully I will be able to put more in every week.
Thank you

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AURORA26's Photo AURORA26 Posts: 459
1/6/11 10:15 A

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i plan on saving 50 a month

every family member in our house has a coin jar and i also have one at work. It helps the kids see the money we are saving for vacation or going out to dinner to celebrate some occasion.

This year i am saving just because. I have set-up several savings accounts for vacation, emergency and big ticket items.

So far the biggest struggle is getting my husband to understand that he doesn't have to spend every dollar in his account.

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1/6/11 10:01 A

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You are lucky to have a 2nd job. I can't get one, not that I want to work on, but to pay off bills it would be nice. I have found it difficult to find one that can work the hours I need. I work 2nd shift and it is hard to find morning work unless it is the weekend and still they want you work nights and personally I don't as I don't have much of a life to begin with! Too many people are without jobs in my area, so there is greater competition for one job.

Good luck on paying the bills off!!



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1/6/11 9:05 A

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My new focus for the year is to pay off my student loan ~ so much so that I got a second job. Every check from that job goes straight to the loan balance in addition to the regular monthly payment. However, I have been saving my tips (while not much they are slowly adding up) and keeping them hidden in the house. Thankfully I have not touched it yet - other than to trade the ones for larger bills. emoticon

It is what you make it, so make it a great day!!


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1/5/11 9:28 A

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I go to the grocery store on Saturdays so on Monday morning I go to the bank and transfer that amount to savings from checking. My husband is a saver and keeps me disciplined.

"You may have to fight a battle more than once to win it." -Margaret Thatcher


www.youravon.com/juliehough

Rewards:
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25 pounds New outfit--or two
30 pounds--SPA day
35 pounds--New outfit
40 pounds--Special date night


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SASSISPRING's Photo SASSISPRING Posts: 10,693
1/4/11 11:16 P

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Sounds like everyone has solid plans and many have already stepped up to create solid savings. Good stuff.

XXKARIKATXX, no pressure or worries to reach goal. Even if you save $10 in the month, that is a great start. You are doing all you can and that is all that can be asked. I will give you encouragement. I was living similar to you. I had no extra cash, zero. I did not even open a savings account because it was a waste in my eyes. Instead I collected pennies, simple little pennies. When I had other change, I threw it in the bucket too. It didn't take long and I had $100. I used it to take a trip. It was local, 4 hrs down the road but it was out of town and a break away from reality. It only took a few months. Most of the change was pennies, they really do add up. So no worries on not keeping quarters, you'll find the rest will add up faster than you think.



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SWEETSPCL's Photo SWEETSPCL Posts: 2,165
1/4/11 9:12 P

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I currently have 75 coming out of each paycheck for 150 a month. The problem is i've had to touch it everytime. I also have a change jar that cashed in at Christmas so I'm starting from scratch on that one.

Last month I went through and completely revamped my budget, returning to the envelope system, budgting down to 0 and paying cash for everything. My debt repayment plan is set to start for this Friday the first paycheck of the year.

Julie I always try to save what I save from coupons but unless I depost it after leaving the grocery store I'm going to spend it. How do you stay disciplined with that?

Wynona
Antioch, TN
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IILAAD65's Photo IILAAD65 Posts: 4,497
1/4/11 9:08 P

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This year I decided that my savings account needs to be in CASH.

I am saving from:
$20 from each paycheck (biweekly)
$50/100 from child support
$100/170 from SS child support
ANYTHING I make at the gym is put into my "secret" place.

I know I could make interest on it. But there's something about seeing it that makes me NOT want to spend it. I like that I have $200 already saved from working at the gym. It's the beginning of the year so this trend won't keep up. I like having emergency money.

I don't want to have to stress about Xmas presents next year.

I don't want to OWE anyone.

I don't want to get behind on car maintenance either!

Off to a GREAT start!!

Beth

"The road to success is always under construction."

www.knightanddayfitness.net


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DIONNE1972's Photo DIONNE1972 Posts: 1,033
1/4/11 8:54 P

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I currently have 50 dollars out of each check direct deposited into my regular savings account. i also have Wachovia Bank and they have a program called Way2Save that takes one dollar out my checking account each time I use my debit card as a credit card. I saved almost a thousand dollars last year. i used quite a bit of that money for christmas presents so I wouldn't use a credit card. But I am beginning to rebuild that one dollar at a time. i use the money for emergency purposes as well.

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JUST_KARI's Photo JUST_KARI Posts: 148
1/4/11 5:40 P

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Money is especially tight right now. Any money we save from groceries or other spending isn't really available to set aside, we need it to get by. We are working to get back to where we have $$ to put aside for savings, but with my paycheck just down to 1/3 of what it was due to changes in our health insurance at work, we're scrambling right now.

What we do have is a coin jar. Actually it's one of those large plastic drink containers that you get at casinos. My mother-in-law goes to Reno about once a month and brought one over to me as she kept it and didn't know what to do with it. I use it to save coins.

I can start counting our coins each month and see how much we make. Probably won't be $40 as we pillage it for quarters to pay for our bottled water. But every little bit helps.

I'll count it at the end of the month and let you know.



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1/4/11 5:13 P

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i am trying not to carry any cash....really think be for i spend have not worked out my budget yet.,, this week end project.......

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1/4/11 5:01 P

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Good info!

Today is the best day to begin making changes for yourself and others both inside and out!

Want motivational cards you can leave behind and make a difference in the lives of others? You can order a free sample at: www.leaveabreadcrumb.com

Need inspiriation on how to be a better person on the inside and deal with issues in your life? Follow my blog at: www.francescopelandlucas.wordpress.c
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1/4/11 4:51 P

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right now we are saving $200 per month that comes out pre-tax from my husband's paycheck and goes directly to our credit union savings account. Once we have $3000 saved then we are going to work on paying off our debts smallest to largest. Im hoping to have a part time job sometime this year and add to that goal with my own income.

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LATVIAN_SANDY's Photo LATVIAN_SANDY SparkPoints: (150,429)
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1/4/11 4:36 P

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I save $75 per month - and it goes directly into my savings account at my credit union, where I do not have a debit card for that account. I had planned on using this money to pay for Christmas presents, but as it turns out, we were able to pay for them without touching our savings - woohoo! This is now our emergency fund (we may need to replace 2 furnaces...)

I do not save coins - I use them. I'd rather have them used up than taking up space, plus then you have to take them to the bank to be counted. I'd rather just have a set amount that I save per month.

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ILOVESTARR26 Posts: 103
1/4/11 3:56 P

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Currently, I am saving 25 per month that goes into a holiday saver.

I have a coin jar but since I don't use cash anymore, i only have 22 dollars in it.

I am cutting down this year on spending so I can have money for a variety of things.
1. Emergency fund
2. Weight loss shopping
3. God daughter shopping
4. Fix the dent in my car
5. annual bills
6. college living
7. College
8. laptop

Now obviously I'm not going to save for this all at once so the first thing that I am saving for is my weight loss shopping. Hopefully that'll get on off the ground when I get my tires on my car.

Nothing will work unless you do..
If you don't like something, change it. If you cant change it, change your attitude. Don't complain...


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SASSISPRING's Photo SASSISPRING Posts: 10,693
1/4/11 3:46 P

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FANGFACEKITTY, sounds like you have good plans all round and great you take advantage of your ability to save larger amounts. Do you plan to roll it over to mutual funds or RRSPs?

I used to have a 2nd bank account when I had a home based business and found it to be far too confusing (for me). Small town, literally one block in either direction is the 3 financial institutes, so for my situation it doesn't actually create any help. I know others though who swear by that and have saved well, simply by keeping it in separate institutions.

Funky_Chicken, excellent. I love that there is a goal for you to reach for as an incentive and a reward for playing catch-up.





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SOPHIEMAE2007's Photo SOPHIEMAE2007 SparkPoints: (51,329)
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1/4/11 3:19 P

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I agree about having the savings and checking at the same bank/cu. I know I have transferred money from one acct to another. Too easy to do!! I was even thinking of going elsewhere to open another savings. We'll see.

Edited by: SOPHIEMAE2007 at: 1/4/2011 (15:30)
Kim

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MACKANDME's Photo MACKANDME Posts: 6,103
1/4/11 3:17 P

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After I catch up, I can start the 10.00 a week saving. I will simply transfer it to my savings when my paycheck hits my account.

~Michelle Macari in St George UT~ Lifestyles of the fit and meatless!
What is it that should trace the insuperable line? The question is not, Can they reason? nor, Can they talk? but, Can they suffer? Jeremy Bentham (17481832)
A dead cow or sheep lying in the pasture is recognized as carrion. The same sort of carcass dressed and hung up in a butchers stall passes as food. J. H.
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FANGFACEKITTY's Photo FANGFACEKITTY SparkPoints: (71,463)
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1/4/11 2:35 P

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I have a change sorter jar for all change I receive & don't use etch day. I also cash in my bottle refunds into change and put it in the jar. I am saving for a trip to London this December & every little bit helps.

I am fortunate enough to be able to put away $400 / month from my paycheck into this savings goal as well. It's incorporated into my budget & direct deposited into the account so I don't have a choice but to save it.

I use a savings account that is at a completely different credit union from my checking & I don't have a debit card for the account. The credit union is also not close to where I live or work. This makes it easier for me to leave the money alone. I found that when I had my savings at the same place as my checking it way WAY too easy to transfer $$ out of the savings...and as a result had no savings.

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1/4/11 2:05 P

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Putting into savings what you saved at the grocery store is something I was thinking of doing as well. Same with the spark points-good idea!!

Kim

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SASSISPRING's Photo SASSISPRING Posts: 10,693
1/4/11 1:48 P

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Excellent!



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JULIEJO39's Photo JULIEJO39 Posts: 4,814
1/4/11 1:47 P

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I have a change jar that I put an amount equal to my spark points in each day. At the end of the month (or when the jar is full) I put it in our savings account.

I also put the amount of money I save using coupons in our savings account. I usually end up with $60-70 additional in savings with saving these two things.

"You may have to fight a battle more than once to win it." -Margaret Thatcher


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SASSISPRING's Photo SASSISPRING Posts: 10,693
1/4/11 1:37 P

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Good for you Kim, sounds like a good plan. :)



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SASSISPRING's Photo SASSISPRING Posts: 10,693
1/4/11 1:25 P

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(a) I am saving $50 per month and it is written into my budget. It comes out of my account at the end of the month and goes into a Tax Free Savings Account (TFSA).

(b) I am Canadian, so coins are everything from the small penny to the twonnie. ($2 coin) I used my twonnies over December, so I will be starting that back up. I have a plastic cup that I toss these into. I use loonies and quarters for laundry, so those are not touched (except on laundry day) I also have a separate cup for pennies and another for the rest of the coins.

I also have a savings account attached to my chequing account. The interest is very tiny, around .1% or something silly like that. If I have money left over at the end of the payday, I will toss it into this account. It is not in the budget, it is in a sense, like a coin jar.

(c) The savings account is for trips that I plan to take over the summer. The TFSA is my emergency fund. Unfortunately it was used a few times in 2010, so I am starting off with only $250. It won't be long and it will start to add up. I also plan to toss cash from income tax refund into it. With possiblity of looming strike overhead, it's really important that I get this fund up.

(d) Tips, save all your bottles for refund. Even the small cash can buy staples like milk and bread. Set up an auto-debit from your main account to a savings account, that way your savings is always a part of your budget and cannot be easily overlooked. Do the research on accounts as they are not created equally. Know the terms and conditions before investing your money into a savings account or mutual fund.

Edited by: SASSISPRING at: 1/4/2011 (13:37)

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1/4/11 1:21 P

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I have $20/paycheck direct deposited into a savings account, which will equal $40/Mo. I do have a several coin jars/boxes sitting around my house and need to count what I have in them now. I need to start saving for an emg fund first.

Kim

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SASSISPRING's Photo SASSISPRING Posts: 10,693
1/4/11 1:14 P

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www.sparkpeople.com/myspark/team_mes
sa
geboard_thread.asp?board=2087x14658xR>37907423


This is the link to the previous goal of saving $5 per week. There are money saving tips in there shared by members that may help out with increasing the amount to $10 per week.

I challenge all members to save $10 per week for a total of $40 per month. Many members have shared they are saving even more than this per month, so let's all work together to make it happen for everyone.

What I'd love to see happen here is the following:

(a) post what you are saving per week/month in terms of your budget, in other words, what have you set aside specifically for saving

(b) post if you have a "coin jar" that you save loose coins and change that you happen to have in your pocket

(c)post what your plans are for the savings - is it to purchase a big ticket item? a trip? an emergency fund?

(d)share tips and struggles at any time, let's work together to accomplish this goal consistently through the year.

Have fun with it all!!

(because yes, saving can be fun)



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