Money January 10, at 9: But watch out for Amazon!!!! Always the one who tempts you in the end, haha… Reply 23 Heather January 10, at I avoid Amazon temptation by using the Wish List to apply my day rule. If there is something I want I put it on the wish list for 30 days and then reassess.
Money January 10, at I have a rule like that for tattoos: Reply 25 Heather January 10, at I work in HR! Reply 27 Kevin Vesga January 10, at CoinStar machines have a hefty fee unless you exchange for a gift card and my credit union does not accept rolled coins. Instead I try spending my change and just saving more dollar bills instead. Since I have an account there, they do not charge me a fee for this service. Reply 29 ljm July 6, at I force people to give me change, and I also ask for rolls at grocery stores every so often.
I also throw small bills in a large plastic container. Reply 30 Angella January 10, at Great ideas all around! Every week is less painful.
Especially for those who have a better chance of giving up not you, of course ;. Plus, just having fewer possessions is totally its own reward. Dump it all somewhere and get the revenue? One thing I loved doing as a kid is when it got super full, rolling all the change and depositing it into my bank account. Seeing an empty cup made me want to collect more coins as quickly as possible.
Really helps pinpoint where all my money is going. Does this count or do I have to start a new one? Reply 39 Micro January 10, at 5: I do like the idea of tracking all your expenses though. I do so on Mint and it was really eye opening to go back each month and see where money was bleeding out. Reply 40 Heather January 10, at 9: I realized I already do the spare change and automated transfer one!
I like the 52 weeks challenge but I modify it: I do whichever one I can at the time basically whatever cash I have since I rarely have cash and cross out that week. Reply 43 Tushar Everything Finance January 10, at The easiest is by far the change jar. I do this on an ongoing basis and I love seeing how much I have after a few months.
Reply 44 Stephanie January 10, at Scary, but I bought myself a journal so I can track it all faithfully. And I recycle my aluminum and plastics. The difference this year? Welcome 45 J. Money January 13, at 1: Reply 46 jane savers solving the money puzzle January 11, at 6: It is easy to not pay anything for entertainment or clothes for 3 months but the cold weather is costing me double in gas for my car. Reply 48 Justin Decisive Dollar January 11, at 3: Adding to the goals list!
I want to stay on track. I had a feeling you might be related to Santa Claus. I actually have three savings account transfers for different goals but by being out of my checking, it really adds up. I am far from living a minimalist lifestyle and the clutter in my relatively small apartment does give me some stress. I like this idea a lot! So I say at least give it a shot and see how long you can go!
Getting rid of things.. Not sure if my wife would like me starting to throw out some of her things though.. When I first got serious about getting my finances under control and paying off debt I spent several months carefully recording and analyzing my spending using a handy iPhone app. The results were very revealing and — as you suggest — helped me not only gain a a better handle on my finances but also significantly reduce my monthly spending.
It also means less money you have to track, too. Money January 14, at It was the same when the Little Skints were babies — those babycare manuals used to advise keeping close track of daily schedules to iron out sleep problems etc — the very thought of filling in the schedules made ME want to go for a nap.
Will happily try the other tips though! My best way is just figuring out an amount to live on, and direct depositing the remainder into savings. Raises, bonuses, and other windfalls just pile up in there!