What techniques are you using to save money?
I'm a teacher and am out for the summer. When I get bored, I spend money. Even just with trying to keep my children entertained, I spend money on kids' activities and places. I would love to go a few weeks without spending at all! I stock up so much on groceries that I know I could do it with discipline and some great suggestions!
Always invest a certain part of your income monthly, make it a habit, i invest in mutual funds every month as its safe with high returns. After 3-5 years you will be able to enjoy spending from your investments/profits.
Answer to the question: How can my family have fun in the summer but spend very little doing it? read more
I actually think "saving" is a waste of time and quite idiotic these days, with interest rates so low and the inflation so high that negates any benefits that you might as well simply just spend what you have and enjoy it.
People constantly say you should "put away for a rainy day" but much better is to spend money to make money, any fool can put £10 under the mattress but in 10 years it will still be there...
If you are dead set against spending though I would start to think of ways to make it hard for yourself to spend money, like going to an amusement park or three and converting it all to 2p pieces so that you will be to embarrassed to spend it anywhere.
Just try it one time, convert £5-25 into some really small change every week and see how it starts to pile up really fast
By the way, mutual funds are really bad to invest in, and they ARE NOT SAFE. As soon a there is any kind of dip in the stock market you will find your fund taking a massive hit and if you try to get it out early you will be penalised harshly. They only ever perform well in a bullmarket, in other words when the markets are doing well otherwise they can hit the floor like a ton of bricks.
Only an idiot would invest in something that they do not know what they are investing in to get penalised if they want to sell up.
If you do want to invest in something then start going around to carboot sales and picking up bits and pieces to start and selling them on Ebay or something, even if you only make a couple of quid it is an afternoon out that you are not spending in the pub.
If you set aside just 10 dollars from your paycheck it will add up before you know it. Saving takes alot of discipline. I make a pot that I promise myself I am not allowed to touch. It works great for me. I pretend like it doesn't exist.
I made a hub about saving too if you wanna check it out.
http://hubpages.com/hub/goodcreditspend … tsdebtfree
Stay home and play more family games, make some games up. Being creative can been exhaustingly fun. The day goes by fast and there will be more smiley faces at the dinner table.
What techniques are you using to save money?
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Thanks, you all! I didn't do too well with NOT spending, especially since my in-laws came in town for three weeks from Switzerland. They love to eat out and didn't want to sit at home. My kids and I had a blast, though. Isn't that what matters?!
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