save money out of every paycheck

That’s what my Dad used to tell me. How I did this: I put myself on an honest to goodness budget. Now, quite frankly this was a “Come to Jesus meeting” with myself..

I had to see how much $ was honestly coming in and going out. So, after my meeting with myself, I determined how much $ I could put into my 401K and then how much I could direct deposit into a savings account each paycheck. I found a local credit union that is close to work but NOT close to home, and opened a savings account, have xx$ put into it from each paycheck, and honestly, I dont miss the $ because I don’t see it.

If I had to rely on myself to deposit into savings, it would not get done…. Lets face it, I can not be trusted! “I’d rather shop & love this moment than save” has been my attitude for too long, so i grew up and got with the program.
Thank GOD my husband (who has alot more money than I do, although I am a better dresser! just kidding) is rubbing off on me with his conservative (money and eco) spending ways!! Yeahh!!! Thanks Babe!

In 5 months I’ve saved $2250 – I’m so excited I’ve never saved that much before! I definitely had to cut back to do it though, but it’s a nice secure feeling!

Stashed away about half of my tax refund, good stuff!

I used to do this, but I’ve fallen a little behind. Right now I need to start saving small, for an online course and new glasses, but then I hope to be right on track, and I’m always doing odd jobs and picking up extra cash when I can.

I’ve got a savings account attached to my checking, but I also have an ING account, which is less accessible and less tempting. The savings attached to my checking never has more than like 60 in it at any given time.

Usually I like to deposit $20-50. Also, when I get my monthly statements, I like to deposit just enough (maybe a little extra) to make my balance an even number down to the cent.

I always spend money as soon as I get it

Two things:

1. Determine how much you can realistically save each month, either for retirement or more short-term savings, or both. Don’t pick an amount so high that you’ll deplete your checking account unless you trim all unnecessary spending. Allow some wiggle room.

2. Set up your paycheck to be partially deposited in savings, or set up an automatic transfer in your checking account. It’s much easier than forcing yourself to remember each month, and the money will build up fast without you even noticing.

I’ve been trying to save money from my internship paychecks, and I have a 401k set up with Starbucks. Actually having money in a savings account again is nice. :)

I am bad in saving especially when i ‘accidently’ bought a new handbag or shoes… And i also have so many credit cards to pay. End up i have no balance to save. So i decided to open another saving account purposely for saving. I did save 10% of my salary. And am proud the see the balance increase every month. All i need to do is to save even if it only a little amount! You go gal! I hope i can continue this forever. =)

Crap! This really hasn’t been happening, in my (lazy) defense our savings account is only in my husbands name so I need to get on there to transfer funds.

I haven’t been doing very well with this lately. I wrote a new plan today and I am going to do my best to stick with it. My plan takes me through March of 2009. I just need to transfer the money to my money market account the same day I get paid. I need to put the money in this account until I reach $10k. At that point, I am going to begin investing the $100 a month via payroll deduction to my ING retirement account.