If you think the only way to save is to make big bucks, think again. Lots of research shows that the ability to save is more of an attitude than an income. Even Donald Trump agrees that a winning attitude is what separates the winners from the rest (oh-and buy real estate-another Trump tidbit).
But if you're using the excuse that you just don't "make enough" money to save even a few dollars a month, all we can say is "unh, unh, unhhh"-not so. But because it's just so much more fun to spend than save, we get it. Still, you got to save, dude. So here are a few ways to help you put a few bucks in the bank.
Change your attitude. Every time you moan, groan, or otherwise belly ache when you talk about paying a bill, putting money into an RRSP, or setting something aside for a rainy day, flick yourself on the nose-or better yet, have someone else do it for you. Then put $5 into a piggy bank as a penalty for a bad attitude towards saving your pennies.
Pay twice. Every time you go to buy a cup of coffee, eat lunch out, or purchase a newspaper, magazine, DVD or other entertainment material, put the same amount of money into an account intended for saving or a bill payment. See how much you've got at the end of the month. Now you know how much money you blew (but could've saved) this month. This little trick will also show you how much those items really cost since most of us only take home about one-half what we gross. So buying that $5 DVD is really costing you $10, that coffee is really about $7.50, and going to the movies? Whoa . . . but, you get the picture.
Get a piggy bank. Put all your change in it, every day. Make sure you glue the lid closed so the only way you can access your money is by breaking the bank-so get glass, too, and maybe you'll think twice before busting into your coin bank.
Set up a glass savings jar on your desk at work. Write, "Teach me How to Save Money" on it, and have your friends and co-workers write down all the ways they see you throw away money, and stuff their money-saving suggestions into your jar. Set one up for your spouse and kids, too. Reward the funniest money-savers by putting $5 into your own account-then follow the advice.
Think of fun ways to get you into the savings groove, and before you know it, you'll have a whole new attitude about your money and your life.
Author Resource:-
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