Do you save extra money or does it burn a hole in your pocket till you spend it?
493231
save some, spend some.
1077571
It is dangerous to live paycheck to paycheck.\nHave you ever found yourself in a financial emergency and had to ask someone to boworrow some money. Doesn't that look and feel sooooooo bad?\nWell, I have found that by tracking the money I spent in one month, I was able to cut back on so much junk that I didn't notice I was spending money on, BUT I did  notice the money when it was being saved in my savings account. Its irresponsible to not save.\nI save 20% of my income everymonth and I split that between two savings accounts, One for long term goals and The other for short term goals.\nLong tern being my home. Short term being anything that might come up that I want to spend on.
960118
An alternative is to keep all your money in jars under your floorboards, which would be destroyed in the event of fire.  £10 a month is not much to safeguard your cashola.  That said, banks make horrendous profits already for the investment of your hard earned money, give you less interest for credits than they take for debits, and charge extortionate rates for late payments and the like, so I don't see how they can justify the charge for everyone.\n\nI already pay £15 a month for mine, but thats a platinum account with its own benefits, which added up are worth more like £100 a month, so I can't complain.  In proportion, to pay £10 just for the pleasure of a basic account is quite disgusting.  Only way to avoid it (like £1.50 charges to take out your money) is just not to use a bank.
1021423
it's like additional money you have in your account that you can use if need be\nyou have overdraft fees though if you go below\nyour balance and have to use this overdraft
225616
Spend according to your heart.
592559
Stop and ask yourself this question every time you want to buy something: "DO I REALLY NEED THIS?" CAN IT WAIT? if your answers are 'no' and 'yes' or 'yes' and 'yes' respectively, than DON'T BUY IT!!!!\n\nIf your answers to the questions are YES and NO respectively, go ahead and buy it.\n\nP.S. (this technique, if used constantly, will cut your spending a lot more than you think, trust me)\n\nWarning: a large dose of self control is needed to use this technique.
802409
Yes dear.  You spent the money.  If you objected to the increase you should have called and had them lower it or not spend the money.
1085763
I would first check to see that there are no additional charges for the rewards card. If there is then you need to weigh the benefits against the charges. If the additional charges outweigh the benefits, then you may want to go ahead with a regular card and just keep track of what the rewards would have been and put those into your savings account also. One last thing, keep very good track of all your spending and do not spend more than you have. If you overdraw your account by even 1penny, the bank will add on a hefty fee. Good luck.
624058
When you are tempted to buy something, ask yourself, "Do I NEED this or WANT this?"  If you just want it, ask yourself why?  what for?  will I soon tire of it?  And just maybe you will find that your money is better off where it is.  In your pocket.
304501
No, but I should do. It's one of those things you should always have, like a safety pin (apparently in case your knickers fall down) and a coin for the payphone.
442463
Dont spend money before you make it?
479220
Ask yourself this before you spend. Do I need this or do I want this. Save your money, invest wisely and look out for gold diggers. Good Luck
625007
It depends on your makeup before coming into money. If you were a frugal person (use it up, wear it out, make it do, or do without), I'd say you couldn't bring yourself to be so careless.\nIf you weren't a frugal person, it could cut both ways.
685733
No, absolutely not. Why would you want to stop stacking a 100 of them each time you want to deposit a dollar to your bank account? Not to mention saving your gas money to make the trip to the bank? And pretending there is a huge difference in saving when paying $11 for something that costs $10.99 . So yes, it's definitely worth having pennies around
465141
I will if i am really rich. \n\nIf I am really rich, then spend this kind of money is not a big deal. So, why not?
395715
yes it demagnatizes your pocket
99244
Usually you will get a higher interest rate with the larger CD, however unforseen circumstances could cost you alot more. If it were me I would invest it in one $5,000 CD and two $2,000 CD's and one $1,000 CD. This will allow you a better return while also allowing you the chance to withdraw early with minimal damage should you find yourself in a situation where you need the money. (If you need a K note then cash a K note, 2K then cash a 2K ect....)