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Jun 28, 2021 · Buy time. One underutilized strategy for increasing happiness is spending money to get more time in your daily life. “People who use their money to buy their way out of the things they hate ...
- Spend Less Than You Make
- Increase Your Income
- The Most Important Thing
"...keep your money flowing in the right direction..." If you want to reach your financial goals, one of your top priorities should be to spend less than you make. That means, if you haven’t already, you need to create a budget. A zero-based budgetis the best way to keep your money flowing in the right direction: toward your goals. Start with your ...
"...your biggest wealth-building tool!" If you created your budget but you’re coming up short, it’s time to reassess. You might need more money to make ends meet so you can quit living paycheck to paycheck. Or maybe you have some big goals you want to hit and your current income won’t get you there as soon as you want it to. If that’s the boat you’...
"Those dreams will become a reality!" Remember, you can double your income and still fall short of your goals if you don’t make a plan for your paycheck. Whether you cut back on spending or increase your income, you want to give every dollar a namebefore the month begins! And when you do, those dreams—like traveling the world, saving for a new car,...
- Don’t Spend So Much On Food. If you’re trying to save money, you must eat out less. Food from the grocery store is expensive as it is. When you eat out, you pay for the preparation, the service, the rent for the building, management salaries, and you still have to leave a tip.
- Dosh – Automatic Cash Straight To Your Phone. Dosh is simple. When you swipe your card (debit or credit), you earn cash back automatically. There are no receipts to scan and no offers to redeem.
- Trim – Stop Getting Ripped Off. Are you getting gouged on your internet bill? The sad truth is that you likely are. Internet companies don’t have fixed rates on their internet speeds.
- Rakuten – Cash Back on Amazon. The next time you check out from Amazon, here is what Rakuten will do for you: Rakuten will earn cash back on your order.
- Start budgeting now. The simplest problem many of us have with our money is that we just don’t pay enough attention to our income and expenses. No matter where you are now, your first step should be taking a close look at your current habits and creating a basic budget.
- The 50/30/20 rule. The 50/30/20 rule is currently one of the most popular money-saving philosophies, and it’s especially helpful for people who are new to budgeting.
- Pay off debts first. While saving as much as you can should always be a long-term goal, you might be facing significant debts that make it difficult to gain more control over your money.
- Take advantage of sales and offers. Small discounts at stores and gas stations might not sound like much, but they can add up quickly if you take the time to look for the best prices and find great deals.
- Eating out every day of the week. Do you find yourself buying lunch at work or ordering in more than a couple of times a week? Well, let's say the average cost of lunch for you is $10 a day.
- Buying coffee every single day. Are you one of these people who needs that quick morning coffee fix? Find yourself stopping at Starbucks or Dunkin Donuts one too many times a week?
- Paying ATM fees. Ever taken money out of an out-of-network ATM and thought to yourself - "It's only a $3 fee, it's not that much?" Well, if you do this once a week or 4 to 5 times a month at an average of $3 per out-of-network withdrawal, then we're talking $180 in ATM fees a year.
- Paying late fees. While this is not a spending habit, it can be indirectly related to not having enough money to pay bills on time which is directly related to your spending.
Jul 18, 2024 · With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month! 2. With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!
Scott, a social worker, took a pay cut to make the move, and Elaine needed time to ramp up her business in Portland, so their take-home pay was initially about $3,000 per month. But Elaine’s business has been on the uptick, and in the past three months or so, their take-home pay has grown to between $4,000 and $5,000 per month.
