save more money

I use to think that whenever I spent my money on education it was worthwhile..however, I have noticed alot of the times that I am able to teach myself things. Take for instance, there was a reading subject at university where I was required to read 2 chapters of a textbook, understand it and then I had to do a test. Even though I was occasionally consulting the lecturer, I realised that I was teaching myself and paying $900 to the university for this subject.

I think that if there is a particular job you want that requires a certain qualification then you should pay for that qualification, however if that is not the case then you are better off borrowing a book from the library (for free) and teaching yourself.

The main thing I learnt from university is how to research and seek information, how to work hard and how to study and memorise things effectively. I have also learnt to never be afraid to ask for help, they may not always give you the information you need but often you get alot closer to your goal. Although some of those things can be learnt elsewhere at a cheaper rate

1. getting tricked by sales people
2. buying food at convinence stores
3. not cooking meals at home
4. catching taxis
5. buying books that i didnt read
6. spending moneyon facials when a change in diet would have been better
7. making international phone calls on a mobile
8. using my mobile way too much
9. continually losing stuff so I have to by new things
10. paying for massages when I should have just asked someone Iknew
11. Not shopping around for a good price on food, clothing etc.
12. Giving money to amnesty international when I was a poor student myself
13. being overcome by peer pressure to go out drinking
14. listening to my brother when he told me to spend my extra savings on the contiki tour
15. atm fees
16. my 2nd overseas trip and stupidly paying a company to try and help organise my job and visa

At the moment I just need money to live and pay for all my dancing tuition..In the future, when I am a ballet or contempary dancer (fingers crossed) I want to have enough money to buy my dream feng shui house with a fountain and an audi. I also want enough money to support myself when I one day return to my phd.

I have learnt about wealth, it is not about how much money you have but how you spend it. If I spend it on these things I think I will feel rich even if it means I have other budget restrictions.

Saving money is difficult when you don’t have an income and unexpected fees pop up.

Tired as you like but the overtime payments will start rolling in at the end of the month!

Im making more money but its harder for me to save than when I was making less money. Its like you get your check and you say “Wow, I’ve got plenty of money, I can afford to buy this or that and still save”. Only problem is you buy so much of “this” or “that” until there’s nothing left. I gotta be smarter about this.

This is what I have left every month after I paid for my rent, insurances and debts. As I live near a cheap grocerystore I could easily save on food. I should be able to cut down my grocery expenses to €50 a week.

we are using the savings account we got through the bank (we never use to use it, it came with our checking account) and we have made a plan to save X amount of money to get a new apartment in about 6 months. we are only one month into the plan but we are already above our monthly saving goal! i am so excited. it is just great to know we are doing good financially. it is hard and we barely have any extra after bills. but it still feels so good. :)

Down to €0,- on my savings account. Had to have a new vest because I lost mine in the train (I think). In stead of buying one I bought 2 and now I had to take out money out of my SA to have money for food the rest of the month. I really need to take time to make my own moneysavingsplan. I’ll start tomorrow… I promise…

From october 24th I’ll save about €4 a day by not smoking. At first I may have to use some of those savings to buy nicotinegum or patches to get me through the first period, but after a month I want to quit using those cigarette replacing products.