learn to save money

okay i need just a little help or maybe a power of attorney :). Everytime I deposit money into my saving account, I end up withdrawing it and I cannot tell you what it was spent on. every month i make a goal saying okay I”M GOING TO SAVE $1000.00, 5000.00, 10000.00 or six months worth of living exspenses i dont get past 500.00$. Maybe I will finally get it together.

I at $1100.00. Now the thang is THAT I CANNOT TOUCH IT! The good is its in my HSBC account and I forgot the pin# to the atm card, but funds can as be transfered.

Ok! i think i did have maybe abot $500.00 saved, but my family goes to casinos alot and i went through that. So all this week i have been working 14 hours days so i can get my saving account right. I actually listen to Dave Ramsey on a local radio station here (www.daveramsey.com) and he gives the different steps you take to finacial freedom.

Dave Ramseys Baby Steps

1. 1,000 to start an Emergency Fund
2. Pay off all debt using the Debt Snowball
3. Three to six months of expenses in savings
4. Invest 15 percent of household income into Roth IRAs and pre-tax retirement
5. College funding for children
6. Pay off home early
7. Build wealth and give!
8. Invest in mutual funds and real estate

I think it’s time to stop acting like an IDIOT :) and get serious.