If you do not have it in your system, the most difficult thing about saving money is getting started. But once you've done the first step of figuring out how much and where you spend, you can proceed to save. Your budget should show you how your expenses measure up to your income and so you can plan your spending and limit overspending.
If your expenses are so high that you can’t save as much as you’d like, it might be time to cut back. Identify nonessentials that you can spend less on, such as entertainment and dining out. Look for ways to save on your fixed monthly expenses like television and your cell phone, too.
Here are some ideas for trimming everyday expenses:
- Use resources such as community event listings to find free or low-cost events to reduce entertainment spending.
- Cancel subscriptions and memberships you don’t use—especially if they renew automatically.
- Commit to eating out only once a month and trying places that fall into the “cheap eats” category.
- Give yourself a “cooling off period”: When tempted by a nonessential purchase, wait a few days. You may be glad you passed—or ready to save up for it.
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I started documenting my hand-poured silver bars late last year about 7 months ago.
In case you interested...
Silver Bar No.61, Bar No.60, No.59, No.58, No.57, No.56, No.55, No.54, No.53, No.52, No.51, No.50, No.49, No.48, No.47, No.46, No.45, No.44, No.43, No.42, No.41, No.40, No.39, No.38, No.37, No.36, No.35, No.34, No.33, No.32, No.31, No.30, No.29, No.28, No.27, No.26, No.25, No.24, No.23, No.22, No.21, No.20, No.19, No.18, No.17, No.16, No.15, No.14, No.13, No.12, No.11, No.10, No.9, No.8, No.7, No.6, No.5, No.4, No.3, No.2, Hand-poured Silver Bar No.1.
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