Improving your finances improves your happiness, in general, so I thought it would be important to share stuff that's worked for me.
I'm in the best financial shape in my life, despite quitting my job and my wife recently quitting hers too. A lot of that is thanks to you guys, the readers, but it's also thanks to frugality, to eliminating debt, to saving as much as I can.
Here's what works for me.
Instead of charging things to credit cards or debit cards, use cash for non-bill spending such as eating out, gas, groceries. Spending cash makes the spending more real, and there's an added advantage of knowing when you're out of cash, instead of spending more than you have.
Small weekly savings transfers
I got this idea from my friend Trent at The Simple Dollar, who automatically deducts $20 a week from his checking to savings. I decided that I could live with $40/week without really feeling it--it's a relatively small transfer that I barely notice, and I save about $2, 000 a year on top of my larger bi-weekly savings transfers.
我有一个在 Simple Dollar工作的朋友，他叫特伦特。他每周都从开支中留出20美元并存到一个固定的账户。受他的启发，我决定每周拿出40美元存起来——40美元其实不算多，它完全不影响我的日常生活质量。一年下来，我竟然存下了2000美元——这都是每周转存40美元的功劳。内容来自 听力课堂网：http://www.tingclass.net/show-9452-330495-1.html