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Non-Cattle Specific Topics
Every Thing Else Board
Tips and tricks to make great saving
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<blockquote data-quote="MO_cows" data-source="post: 1076983" data-attributes="member: 9169"><p>It's really a two fold issue. One, are you maximizing what you can earn for income? Then, two, are you managing well with what you do make?</p><p></p><p>Sure wish I would have figured out "pay yourself first" when I was a lot younger. We always saved our "extra" money, but how often do you really have "extra"? Money is left over after bills, but the washer is on its last legs, the truck needs tires, the kid needs braces, the roof is leaking and so on. So we didn't save as much as we should have. We finally wised up and just saved out of each and every paycheck. Once you start doing it, you don't even miss it.</p><p></p><p>A lot of it is not keeping up with the Joneses. Do you really need a 60 inch flat screen tv, the coolest smart phone, the baddest pickup truck, every gun ever made, redecorate the house every 3 years and all that??? No, you don't. Especially if you are going to get it on credit. Figuring out what is really a need and what is just a want will get you a long way. </p><p></p><p>With a job loss last year and the new job paying less, we had to cut our budget. Shopped around on all of our insurance policies and found some savings there. Switched from a land line phone to a Verizon service and saved $40 a month on that. Cut the grocery budget. If you are buying food with directions on the package, you can do better to just buy the basic ingredients and make it yourself. And it's healthier and tastes better. If we didn't have liquor and cigarettes in the budget we could do even better but nobody's perfect!</p></blockquote><p></p>
[QUOTE="MO_cows, post: 1076983, member: 9169"] It's really a two fold issue. One, are you maximizing what you can earn for income? Then, two, are you managing well with what you do make? Sure wish I would have figured out "pay yourself first" when I was a lot younger. We always saved our "extra" money, but how often do you really have "extra"? Money is left over after bills, but the washer is on its last legs, the truck needs tires, the kid needs braces, the roof is leaking and so on. So we didn't save as much as we should have. We finally wised up and just saved out of each and every paycheck. Once you start doing it, you don't even miss it. A lot of it is not keeping up with the Joneses. Do you really need a 60 inch flat screen tv, the coolest smart phone, the baddest pickup truck, every gun ever made, redecorate the house every 3 years and all that??? No, you don't. Especially if you are going to get it on credit. Figuring out what is really a need and what is just a want will get you a long way. With a job loss last year and the new job paying less, we had to cut our budget. Shopped around on all of our insurance policies and found some savings there. Switched from a land line phone to a Verizon service and saved $40 a month on that. Cut the grocery budget. If you are buying food with directions on the package, you can do better to just buy the basic ingredients and make it yourself. And it's healthier and tastes better. If we didn't have liquor and cigarettes in the budget we could do even better but nobody's perfect! [/QUOTE]
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Tips and tricks to make great saving
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