No More Breaking Your Back & Breaking Your Bank

Breaking your back to earn 
     enough money to cover your 
          current expenses or
                past due bills?








Breaking your bank to use
     the money you should
          be saving to
                purchase gas
                    and grocery?






The truth is that we should all seek to work smarter not harder. We ought to seek to mend the broken areas of our finances, not crush them to pieces by continuing to make the same unwise mistakes we've made in times past. Obviously, what we've been doing hasn't been working for us but against us, so why don't we change our minds, which will lead to a change in our financial movements, which will ultimately produce a positive and visible change in our financial realities?

I know what our economy looks like right now, but I also realize our potential to shine in the midst of financial darkness. Yesterday, I gave you a few suggestions to use as a guide to begin saving or increasing your savings. Today, I'd like to advise you to work smarter as you begin to save for the future. Here are a few tips:

1. If you don't have a checking account, get one. Don't pay pawn shops, grocery stores, or banks to cash money you've worked hard to earn (even 1% of your income is too much to give away, especially when you're not saving 1%).
2. If possible, bank with a credit union or open a Money Market savings account as a part of your savings plan. No matter how small, they tend to pay you more interest over time for your commitment to saving your money.
3. Deny yourself! Sometimes we say we can't save money because there's never any left over after paying bills. However, if we go back and review receipts, the truth usually is that we could have saved SOMETHING if we had been willing to deny ourselves that fast food burger, coffee, shoes, or trip to the nail salon.

You've got it in you! Now come on...exercise discipline and let's save some money together!