I just went the Spark Money thing...put in my budget, savings, debt, retirement, etc....it is scary. I am a saver, not really a spender. I have excellent credit...and it says that I will not have money after age 64...scary.
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Decide on a reward you would like to purchase for yourself for being good. Every time you feel like buying a bad food to satisfy a craving or ease your stress, put the money you would have used in a piggy bank towards your reward.
After awhile you can see how much money and extra weight you are saving when you put the money towards a healthier reward.
Save money on your telephone bill and put money back into your own pocket!
Buy an external answering machine and save $60-120 a year. Skip the call waiting feature, they will call back! Use a long distance calling card for the cheapest rates; or use VOIP services like Skype to talk to loved ones over the internet for free (chat) or a low monthly rate (phone)
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