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What kind of person are you with your money? Are you a spending money or saving money all the time? Sometimes with married couples one is a spender and one is a saver. Many families are living paycheck to paycheck. There are have been times in our own family when we may have extra money. Then there is a desire to buy things for yourself or extra things you don’t normally buy. This situation sometimes happens when people get their taxes back. I understand sometimes it feels like all we do is spend money. A mother of an infant is non-stop spending money between diapers or the possibility of formula/maybe baby food. A mother of a teenage son seems like she is always spending money for clothes because they are growing so much or for food because they are always eating.
** Do you need it or want it?
** Groceries — Is it a necessity for a meal? Is it healthy? Do you have a coupon for it? Is the item on sale?
** Could you be making the coffee at home instead of buying it?
** Before buying something that is not a necessity, ask yourself are all the househould bills paid?
** Choose to only buy things if you have cash with you.
** Do you have a job that provides 401K? Some jobs will match what you put in. Even if you put only a little in each paycheck, you are still saving for your future.
** Do you have a savings account or Christmas savings club where money gets put in every week ?
** Do you use coupons to help save money?
** Do you pay attention to when the sales ads?
** Do you buy things at garage sales or the goodwill stores, where items are cheaper?
Next time you have a little extra money in your bank account, are you going to spend it or save it? I would recommend saving a little money anytime you can, even if it is just a little bit. It can add up. You never know when someone will get hurt and be out of work for a while. It is good to save some money through the year then when it is Christmas time, there will be money to buy gifts.
Give your money a thought.
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