In need of some major tips.....
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|Mon, 06-28-2010 - 12:46pm|
I have been trying to save money for years now and most recently in the past year because I am certain I will need to buy a new car soon, or do a major tuneup on the one I have now. Problem: I managed to save $6.25 to keep my savings account open and I am even over the limit (only by a little bit) on my credit card. HELP! A HUGE majority of my money goes to living expenses which I cant cut down because they are set prices of course. Any tips about ANY money saving ideas you have would be helpful. I dont have to worry about cutting down on using water/gas/etc cause I only pay rent/electricity/internet/cable for my apartment.
I also need tips on how to just deal with what Ive got. I have a bad habit of buying food when Im craving it (living right behind Hyvee doesnt help at all) and thats mostly where my extra money goes. I need to learn how to curb cravings and resist the urge to spend money. Another problem, I have virtually nothing that feels like a "reward" so saving money and treating myself to something doesnt really work. I have high expectations of just about everything (which I cannot change, trust me, I have tried) so something that is satisfying to me is a vacation when I want it or something thats going to make my life easier (cause im a very lazy person too) like someone to clean for me. I wasnt raised like that so I have no idea where these ideas/thoughts/expectations came from.
Anyways, I need tips for all of my problems. I am tired of not having money to even go get something from Burger King! After my rent check goes though Ill have money for gas and thats all. Then I have nothing until I get paid again and have to pay more bills which will eat the rest of my check then too. I am tired of living like this, its stressing me out really badly!
I have tried to fix it myself but have gotten no where...I need some more ideas. Also, dont say "therapy" because, THAT COSTS MONEY!