Make Saving a Habit

Everyone knows that they need to save money.  For some it is much harder than others.  Some people mean to, they just forget, or simply do not know how to get started.  Here are some tips to help you to make saving money a habit.

Everyone has heard time and again to make a budget.  Take time when you are creating your budget, get all your bills out and figure out how much money will go where.  Only use this budget for one month.  Once that month is over with go over your budget again and make adjustments where needed.  Then use that budget for a month.  Continue this process until you no longer need to make adjustments, and then keep that budget.

If you are going to be getting a raise or a bonus you should pretend that you are not getting one.  Then take that money and save it.  If you pretend that you did not get a raise and you continue to live on a budget you had when you made less and you save all that extra money you savings will increase rapidly.  This is always a good thing. 

If you can get direct deposit sign up for it, then decide on what percentage you want to go to a savings account instead of your checking account.  If you do not have to think about saving it is much easier to save, and it is a habit that is not even thought of.  If you do not have the option of direct deposit, decided on a percentage that you want to go into saving.  When you go to deposit your check you can then let the bank teller know how much you want in your savings account, do this every time you deposit a check.

Make saving money a habit.  If it becomes a habit it will be so much easier for you to save money.  Saving money is always important, especially in a poor economy.  You never know what the future will bring you, therefore having money saved will help you make it through anything that is thrown your way.

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