How can I save money instead of spending it?

How can I save my money without spending it?

  • I'm a big spender and when I get my taxes back I would like to save it or invest it. but its hard because I'm just a big spender. does anyone know what I can do?

  • Answer:

    There's no magic formula. It's just willpower. Put the money a little bit out of reach (a savings account, investment, anywhere away from your wallet and your checking account), and don't spend it.

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Look up ING Direct on the internet. ingdirect.com. Send it to them. Make $25. for opening the account. Receive a good interest rate. You wont be able to touch it for about a week. By then you will have had time to decide if you really want to spend it. Prevents impulsiveness. HAPPY SAVING!

allenbnc

Yeah. Don't spend it. Learn discipline. Open a savings account, put it there and don't look at it again. Need more advice? [email protected]

pinkstealth

put it in a CD at the bank!

Alli-son

Give it to me. I'll take care of it for you. LOL. Seriously though, if you owe credit card or other debt, I'd start by paying that down and keep a little back for emergencies.

duncegirl

for every amount that u spend put that much in the bank as well

Sabrina

we arranged for Direct Deposit so once we had the money, we went online, paid our credit cards and were done. We use mycheckfree.com since you can pay a lot of bills online and it's totally free. That way the money never entered our hand and our debt was paid off. Also, once you get the check, wait for it to clear, and just write out checks to whoever you owe money to, send them, and THEN go to the store if you really need to. dont spend a penny until they clear and then treat yourself to Starbucks to reward youself for not spending. lol

Kristan

Don't spend so much. Put a little aside each week. Before you do spend ask yourself whether or not you really need 2 outfits this week or can you just buy one. Take a lunch to work.If you search hard enough you can curb your spending.

queenmaeve172000

I am not sure I just wanted to say that your little picture that you are using looks soooo much like that girl that played on "The Princess Diaries"! Ann Hathaway, right? No, really, I can't seem to save my tax check either, someone always seems to need it more than me...Like Ayers, or Pennys or THE MALL in general!

Junior's Gal

You have to put it into an IRA, because once its in, you can't take it out without heavy duty fines and penalties, but it grows fairly quickly while its in.

theace0804

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