Secrets of Success

Ask Before Spending

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Before buying anything, ask if you need it or merely want it. It's OK to occasionally buy something we don't need to "treat" ourselves, but most of us could look around our homes and wonder why we wasted money on things we rarely use, were a fad, or purchased impulsively..... (more)

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If you decide you don't really need something, put the money you would have spent away & deposit it in savings. Then, when you need something important or want to treat yourself to a birthday gift, the money will be there. Or put the money you saved toward your debts.

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