Shop sales, use coupons, loyalty card discounts, etc., when grocery shopping. The total you save is usually printed at the bottom of the receipt. Transfer that amount from your checking into your savings account; you'll be surprised how it really adds up over a period of time!!
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I find it difficult to put a specific amount into savings each pay period. Therefore, when I get paid, I pay all of my bills, buy groceries, gas and etc. The evening before my next paycheck, I transfer the balance from checking to savings. The saving amounts will differ, but the savings grows.
Every week I see the store savings and coupon savings on my grocery receipt and it's all lies. I didn't save anything. I just didn't spend it -- yet. So, after giving this issue some thought I decided that I would take this as a requirement for saving and transfer it to my savings account.
As soon as I get home from the store I transfer the amount of store/coupon savings from my checking account to my savings account. Then I've actually saved money. So don't be fooled that not having spent it is a savings!
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