This works if you go to a store or restaurant and use cash. Whenever I get a 5 dollar bill with my change I put it in a drawer and do not spend it. At the end of 2010 I had saved $735.00! (I only put the ones away that were given to me in change. I NEVER ASKED for them "on purpose
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I have a rule for saving money and that is I save all my five dollar bills. If a cashier gives me my change back and it is a five dollar bill, I will save it in my jar. It takes some time but it works and you easily add to your saving! Think of the times when you were given a five dollar bill add those lets say and you could have saved over hundreds of dollars! Try it you won't lose anything but will save a bunch!
Keep your money in save spot! I use a jar and when it gets really full I don't cash it in. I rubber band the money and put it in a save box!(somewhere REALLY save) Seeing the money in you account will give you a chance to spent it! out of mind out of site.
I have a weekly budget (cash) for food, gas, coffee, movie - what ever. And I don't spend $1 bills. I keep the dollar bills in a can until I have $100. Then $50 goes into my IRA and the other $50 is for something special - a pedicure, night out with friends, a movie, new shoes. It's fun to have treats and not feel guilty. And I get to see my IRA grow at the same time.
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