I put a small, set amount from each check in a seprate savings account before I even do my budget, then forget about it. Increase the amount with each raise! I started out with just the total amount over the nearest hundred..it all adds up!
(ING is a great bank with low overhead & higher interest. Having the account separate from your regular checking helps keep your fingers off it!)
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I stash dollar bills I get in change from my purchases at the convenience store in the secret compartment in the console between the front seats of my vehicle. Every few weeks I straighten up the money, and count it, and last week I had $60 in my secret stash. I consider it emergency money for when I'm on the road.
To sneak in extra fruits and veggies into my diet, as well as my little one's, I have a secret stash of fresh veggie juice and fruit puree that i add to smoothies, along with whole fruits! Yummy! No one will ever know
I have a secret box & when I find myself with some extra money I tuck it away. I try to put away a few quarters or dollars from my wallet every few days. I add "bonus money" in too - money you find in the laundry or a winning from a scratch lotto ticket. I never miss the money & it adds up.
I don't have anything specific planned for this money but it makes me feel good knowing that if something came up in the future I can say "hey, I have an extra $150 let's do it!" In fact I get really greedy on what I want to spend it on because saving becomes addictive!
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