Lets face it, coming up with smart and simple ways of saving money takes thinking that is a bit more creative.
Use some of these shortcuts to managing your finances. They are guaranteed to save you time and money.
Trick your mind into saving
Cant always come up with where your money goes? There is a simple solution: Trick your own mind into spending less and saving more.
If you are up for a challenge, allocate yourself a weekly allowance. Put a set amount of allowance into an envelope and determine that this will be all you will be allowed to spend for any given week. Next, divide your allowance to take care of your expenses. When you get down to the last $20, thats the amount you put into your emergency fund. When the money is gone, there will be no more until next week.
Each payday, allocate a percentage to go into a secret fund used only for emergencies. When its crunch time, you will know its there.
Establish one dresser drawer just to toss single dollar bills. This way when the pizza man arrives, you will have the singles handy and wont need to break the larger dollar amounts. This discipline forces your mind to think larger...
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