Saving money takes discipline and planning.
Try moving your bill money into an account that is set to auto-draft your bills and be sure to pad the account with a few extra bucks.
For impulse purchases only buy it if you can afford to purchase it twice, this practice makes you think about whether you actually need it.
Additionally, don’t spend money to impress others.
For credit cards, only spend what you know you can easily pay off.
Contribute to your retirement fund ASAP, $5 or $10 goes a long way when you start young, the money grows and gains interest for decades.
Save smaller amounts of money instead of big lump sums and open a savings account that you have to go to the bank to access. You’ll think twice about spending from it if you have to go out of your way to get the money.
Finally, know your worth and ask for what you deserve. Offering discounts or taking what you’re given only hurts you in the end.
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