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I have found this method to work for saving money: get envelopes and label them with your bills you pay monthly (ie mortgage, light bill, water bill, etc.) and label one envelope Miscellaneous. Each month put the amount you owe on the bill plus $10 in the envelope. Pay the miscellaneous envelope $20. Once you pay all your bills, move the money from the other envelopes to the miscellaneous envelope and watch your money build up!
I always found I'd spend my money for bills before I got a chance to pay them. So I opened a second account for bills. When I get paid I add up my bills and leave that money there, then transfer the rest to my spending account. This way I never go over on spending funds. Include "savings" as one of your "bills" and set up an auto transfer to your savings account.
My husband and I throw change into a large bottle for a year. Canada has loonies and toonies so it can add up fast ( that's $1 and $2 coins for those that don't know) By vacation time, we have enough saved for our excursions etc. I bought a $900 bedroom set once with the change saved.
I also save some bills here and there and when I get enough, I change them to a hundred dollar bill and save it. I won't spend a $100 bill as fast as small bills. Then I treat myself to something nice.334
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