How I did it: .

    I clip coupons.  I record how much money I spend every month and know the amounts of my recurring bills.  I budget amounts to save each week, and I try to keep extra spending to a minimum.  With all of this, I have been able to earmark the money for my checking floor as non-spendable money.

    If I have to live paycheck to paycheck, at least my low point won't be zero!

Lessons & tips: .

    Read about financial planning when you're in the mood to tackle the subject, and you'll know what to do next, and what to do after that... and next thing you know, you'll be making some serious headway!

Resources: .

    Online articles
The local library's personal finance books
The memory of my past failures, and a strong desire to do better

Feb 17, 2010, 09:14AM PST | 0 comments | 2 cheers