What was your best way of putting away money?
Automatic withdrawals from paycheck to bank account or 401k.. Saving small change, Bank of America offers a program, imagine every dollar you spend the change can go into your savings account, it adds up over time...
i found hiding money in my mid son room in a box is great way for me
I opened a savings account at a separate bank and would just put any extra money in there. At first it was just $5-20... whatever I had extra or if I got some weird windfall.
Keeping savings at a separate bank makes it not as accessible... we could not save money when I could transfer it from savings to checking on my phone or computer so easily. We got a standard debit card for our savings that cannot be used as a credit card... so if we need $ from it we have to make an effort to get it.
I do grocery shopping with cash. This covers soaps, foods, garden supplies and the like. Anything left over from the budgeted amount goes into another envelope for family fun of some sort. Like McDonald's or a movie. All grocery change goes into a jar. That's for more spontaneous giving. Anticipated expenses are actually budgeted for and remain in the bank. So our next used car, college fund, vacation, Christmas gifts, giving, etc., all have separate accounts in our books and are untouchable. We have a small emergency fund and savings for retirement if something really bad happens.
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