I deposit my paycheck into my savings account rather than my checking account. I then go online and transfer what I need, when I need it (free at my bank). Watching that balance go up makes me want to spend as little as possible.
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Each paycheck I keep track of every cent that I spend. After all the major bills are paid, I try to really limit how much I spend. Once I get my next paycheck I look at how much of the first paycheck is left. I put all of that into savings. I then use the next paycheck until I get paid again. So far, I've saved almost $500 in three months!
I don't know how much cigarettes cost now, but whenever I give up drinking I seemingly have more money in my wallet and am able to pay more towards my credit cards. That should be incentive enough for me to never buy the stuff again, as my big goal is to pay off my LISA CARD and stop living from paycheck to paycheck! That's the only place left I have to cut back since we live within our means otherwise. Done deal.
If you transfer 5% of your check into savings before anything else you'll quickly learn to live without it. Also, next time you get a raise, take the difference and add that to savings. Then forget about savings and live paycheck to paycheck! Then when there's not a next paycheck...you have savings.
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