How do I save my money and stop spending it?
596284
I have no idea. I can't stop myself!
238744
You need to put yourself on a budget! Budgets are the only way to save money. Look at your income, look at your expeditures. There's not much of a difference, is there? It's really easy to start a budget. Write down the things you need to buy, as opposed to things you want to buy. Arrange these things into categories, i.e., groceries, gas, insurance, cell phone bills, utilities, rent, etc... Pick a reasonable amount of money that you will spend each month on each categorie. For example: groceries $150, gas $60, cell phone bill $50. Don't leave anything out, and don't spend more than what you said you will spend. If you go over in a category, you must take from another. If you decide that you will spend $45 dollars on your cell phone bill, but the bill is $50, you'll have to lower your budget for another category by $5, just for that month.\n\nLook at what you have left. Let's say you made $5,000 one month and budgeted your necessary items at $4,500. You have $500 dollars left that you can blow on anything, but you haven't saved any money yet. You need to decide how much you're going to save. I would suggest all of it. But you can budget in things like going to the movies and buying CDs. Save what you have left. WRITE EVERYTHING DOWN! get a ledger book and write everything down. after a while you're savings will be phenominal!
842853
Since you are well aware of that, it's a good start. Determine in which area do you overspend.....is it books, CDs, DVDs, cosmetics, clothes, shoes, games, etc etc? Then stop buying them. Do the math and see how much you could have saved if you stop buying them.
81660
well first off u need to figure out what are ur priority expenses. when u get paid u need to set aside the money u need to pay whatever bills need to be paid.. then whatever is left is your money.. take 60% of what u have left and that is for u and the other 40% u need to bank it and never touch it... and u do that every pay week.. if u stay steady to it u will have no problem in saving money. secondly, u need to knwo when to say no. if your a type of person who loves to spend money then u ned to tell yourslef No . spend only what u need and buy only what is needed.... if u need anything else i am here for you
46541
Creating a budget would be ideal, but it can get boaring and eventually you will stop keeping track of your spending, if budgeting is not interesting to you. \n\nOne easier way would be to estimate the total amount of money you allocate to entertainment(anything that considered to be a want not a need) then take 10% of that amount and save it.\n\nExample if you spend $250 a month on entertainment save $25 a month. Be sure to put the money is some form of interest bearing savings account.
541284
You need someone to take your check from you and give you allowance for you to spend on whatever. Yes a shrink could help but you get pleasure out of getting new things and that might not go away. I think you need to tell yourself if you spend alot of money on whatever do you ever actually use, wear, or need those items you bought?
291796
Hey Gigi! Found a 3-step solution:\n\n1. Find yourself something you really really liked in childhood then get that & indulge for a week, it doesn't have to cost a lot of money.\n\n2. Check whether stuff you want to buy truly matches what you value at heart. You can start out by tracking what you spend money on for a week. \n\n3. After that week, slim your expenses down to what you value at heart. & keep indulging in less-than-GBP 2 -fun!\n\nIt's great, worked for me & lots of friends
1100596
The best thing to do is set short term goals for yourself. I have a hard time saving money on a long term basis but if I know I need to save this much this pay check I can do that.\nEach pay check just put a certain amount aside. You really do not need those new shoes or a new pair of jeans. Even if it is only $20 that adds up!\nWhen you have enough for what you need go get it right away do not keep saving!\nJust use self control.
127482
Start by saving small amounts, maybe the change you have in your purse after any purchases. If you use shopping coupons try saving what the money you saved from the coupons. If you work, try setting up a savings account where your employer deposits the money into your savings account. You might find that if you don't see the money, you  might not spend it. If you can get by with a small amount of savings try increasing the amount and see how that works. If you get a large tax refund when you file your taxes, have your employer adjust your witholding to a lower amount and try  to save the difference. Once you get in the habit of saving you will have success.   Good Luck!
1045985
Whatever is in your budget. Figure out how much you spend on food eating out. clothes you don't need but want. You can save money by figuring out who much you spend on this you really don't need, then the following month instead of spending it save it. Save it in a place you know you will not have easy access to it. That way you will be able to save even more. Good luck!
749494
Spend $100 on something you want/need.\nSpend another $100 on something stupid (go crazy with this one...once in a lifetime thing)\n\nSave the rest.  Put it up somewhere like you didn't even have it until some time comes along when you really really need money.
69558
None.  Use a debit card, save money, invest.
522342
Ok this might be hard...\n\n1. Cancel all your credit cards but one.\n2. Don't eat out - cook at home. It's healthier too.\n3. Drink water instead of colas - trust me every penny will count.\n4. Walk instead of using the car/cab when you can. It'll keep you fit and rich!\n5. Don't buy any hobby related things for a year at least (like dvds, vcds, and stuff).\n6. Do your nails and hair at home.\n7. Rent movies instead of watching them on the big screen.\n\nThe list can go on but you get my drift. It will be hard but you'll be amazed how much you'll save. Good luck!
155763
1. Always pay yourself first. Take out some percentage of your pay on an automatic savings plan. You never see it, you never miss it.\n\n2. Before you start saving, make an investment that will pay between 15 and 25%. Pay off your credit cards. Not worth saving at 5% when you have lots of credit card debt.
1144267
start saving from today
216639
Write down how much you spend and subtract it from how much you make, that'll tell you how much you have left over for savings and such. Apply more of that left over money towards whatever payments you have untill they are paid off. You'll save more in not paying interest than you would earn if you just had a savings account. Don't spend above your means, either.
80365
First step is to review what you are spending money on.  Prepare a budget and stick to it.  Most people that have money, made it by saving it.  They did not start a business or own one.\n\nSecond step would be to improve your education/training.  Many companies will pay for the training.\n\nThird step would be consider a government position.  The town/city/county/state government positions will include a pension/state retirement.  This will mean that you are saving for your retirement even though you are not actively saving because it is mandatory for government employees.