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I find that if I stay with the plan, regardless of the results that I am always better off. Sometimes it doesn't look like I'm making progress at the time, but when I look back I can see that I have. Stay the course!
Run errands riding your bike if you can (even grocerie shopping). The amout of gas you save is amazing! I've been doing it for a while and I am really satisfied.
When I take out my money, I take out a small notebook and write down what it is for, less impulsive spending as a result.
Remember sitting in Math class and wondering why you needed to know Math after high school? Especially calculus and advanced algebra? I'll tell you why you need it...
We round to the closest 5 or 0. When we pay a bill or for any item we buy, If the total is 22 we round to 25 and "forget" about the remaining 3 dollars, If is 26 we round to 30. At the end of the year that "forgotten" money sure adds up
I'm horrible at buying things just because they're on sale, or seem like a good deal. If you're not positive you want something, go home and sleep on it. If you're still thinking about it the next day, then go back and get it.
For my birthday and Christmas, my mom always wants "ideas" of things I would like to have. I started keeping a list throughout the year. When I find something I would like but won't buy it for myself, I write it on the list. When the holidays come around and I still want the item, I have ideas.
Whenever I clean out my purse, wallet, or cup holder that holds change in my vehicle I drop the extra change in a cookie jar my grandma bought me. Eventually, I take time to cash it all in and it usually buys a few gallons of gas or in my case, pair of shoes, LOL!