It might sound a bit silly for a grown up to do but get yourself a piggy bank and use it to save your "found change". After a few weeks you will surprised at how much you have saved. Also put in the money you WERE going to spend on that candy bar or carmel frappachino and save it instead. Use that money for Christmas stocking stuffers, or vacation spending money. I am saving for a trip to Vegas in May and I have a seperate saving account just for that!
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I like to reward myself for achieving a goal by buying some new fitness equpment. To avoid going broke, I search garage sales for mildly used equipment. It saves me a great deal of money and it helps my neighbors make room for more gently used equipment. .211
Reward yourself without breaking the bank.
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