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SASSISPRING's Photo SASSISPRING Posts: 12,011
3/16/16 6:13 P

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Welcome to the group.

Different ways to save - one underlying theme is start small. The monthly team goal is to save $5/week. It can be done in a variety of ways.

Have a coin jar where you put your keys, on a dresser, the kitchen table or any place where you can easily see it as a reminder. Dump all your change into the jar at the end of the day. Count it out at the end of the week, you may find that you'll be over the $5 goal.

Choose one day to save $5 every week and mark on the calendar. Put that $5 in a jar, savings account, envelope that you put into a safe place (and then remember where that safe place is...) or into anything you feel will keep it out of mind, but not to far away. By the end of the month you will have saved $20.

If you are someone who spends money on a non-essential item daily and/or weekly, remove that purchase and put that money into a jar (or any other safe place).

Take in bottles and cans every week or monthly, put that money into a jar or another safe container.

Set up a savings account that is attached to your chequing account and have the savings account automatically remove xx dollars every pay day.

It all adds up. I used change in a jar - quarters, nickels, dimes, and pennies - and went on vacation with the money I saved.

Currently I'm using the money I usually put into a TFSA (tax free savings account) as it's been a tough winter, but the good news is, that's what savings is for - tough times. It'll get back on track by mid-year, it's just this winter was financially rough.

Good luck with it all and I hope you find a tip that helps.



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HAPPYDRAGON64's Photo HAPPYDRAGON64 Posts: 19
3/16/16 4:49 P

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I'm in. New to the group but need to find ways to save funds. Not doing overly bad, but need to crank up the accountability to get things done financially. Saving money seems to be a huge battle. Looking forward to ideas and support to get things running in the right direction.

Lift someones spirit. Give them a SMILE :)

"Your attitude, not your aptitude, will determine your altitude." - Zig Ziglar


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SASSISPRING's Photo SASSISPRING Posts: 12,011
1/3/16 11:31 P

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emoticon

Let's start fresh!!



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SASSISPRING's Photo SASSISPRING Posts: 12,011
1/3/16 11:27 P

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The goal has been dropped to $5/week - as our members weren't making the other goals. We can do this, only $5 per week. Put it in the bank, in a piggy bank, in your sock drawer, whatever you want to do - just save $5 per week. It's not that much, YOU CAN DO IT!!!



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SASSISPRING's Photo SASSISPRING Posts: 12,011
11/18/15 6:04 P

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I have increased this goal to $25/week for a total of $100 per month. We can do it!



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AGAIN1's Photo AGAIN1 SparkPoints: (44,620)
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11/4/14 11:13 P

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

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SASSISPRING's Photo SASSISPRING Posts: 12,011
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: 12,011
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: 12,011
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: 145
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: 12,011
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: 1,011
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: 1,011
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: 12,011
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: 12,011
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: 12,011
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: 12,011
9/26/11 7:11 P

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Sounds like a good plan. Keep it up.



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AGAIN1's Photo AGAIN1 SparkPoints: (44,620)
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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.



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

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SASSISPRING's Photo SASSISPRING Posts: 12,011
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: 12,011
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: (57,574)
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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: 12,011
5/4/11 2:43 P

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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: (225,125)
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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: 4,620
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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BUNNIE1999's Photo BUNNIE1999 SparkPoints: (34,501)
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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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KATWOMAN12839 SparkPoints: (0)
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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: 12,011
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 Posts: 10,809
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: (0)
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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!

SOPHIEMAE2007's Photo SOPHIEMAE2007 Posts: 10,809
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: 2,166
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: 12,011
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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SOPHIEMAE2007's Photo SOPHIEMAE2007 Posts: 10,809
2/3/11 10:55 A

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Good idea Bunnie!

Kim

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BUNNIE1999's Photo BUNNIE1999 SparkPoints: (34,501)
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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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SOPHIEMAE2007's Photo SOPHIEMAE2007 Posts: 10,809
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: 12,011
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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1/28/11 3:14 P

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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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RACHEAL01's Photo RACHEAL01 Posts: 1,067
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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