ARE YOU READY TO START A GOOD SAVINGS PLAN?
Your First Step: Rethink how you think about money
Saving money is a calm state of mind. Before you can even begin,
you have to say NO to all of the spending—and stop thinking that you
actually need all the stuff you’re spending all of your hard-earned
money on. Just don’t spend.
That is simple enough! Say NO to all of the excuses and reasons for
why you feel you MUST spend. Tell yourself, NO MORE EXCUSES, PERIOD!
The very next time you want to buy something, take the $50 or $100 out
of your wallet, instead and stash it away somewhere. Do you see the
logic? That’s why you call saving. You don’t end up with stuff; you end
up with the hard-earned MONEY.
Another new way of thinking will be to think of frugality
as your savior. Become a confirmed cheapskate and do as your most
frugal friends do. Pay special note to the fact that frugal friends fix
the shower curtain instead of buying a new one. Sit down with Depression-era relatives and ask about how they made ends meet despite even desperate times. You want to learn to economize.
The next step in rethinking is to become inspired. Spend all of your spare time online and search out those frugal Web sites.
Look at “living cheaply,” “frugal living” and “voluntary simplicity.”
You’ll find a ton of good Web sites devoted to living on less, such as: thefrugalshopper.com, simpleliving.net and frugaliving.com.
Learn to turn shopping time into activity time. Go for a bike ride,
walk down memory lane, take the kids to the park; do anything and
everything that you can to take your mind off shopping and spending. It
works!
Step # 2: Time to Save!
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