Money Smart

Who doesn't like to save money, To make more room for extra money?



There are two things people love to do and that's "make extra money," and of course "saving money." If you are like me and living in poverty these two strategies seem like an unrealistic goal.

It seems that money is the number one root of all chaotic events. For example, you have a married couple who are passionately in love, but then the economy suddenly takes a nose dive and stress carries baggage into their home and then the couple starts fighting over money problems. This couple begins to get more distant from each other and in some cases ends in a divorce. Sadly, I am a victim of living in poverty and my husband and I fighting just because we are money stressed, but fortunately we work on not fighting, but fixing our situation as much as possible. 

Money should never be the cause of such tension and determine a married couples fate.

So how do you even start to save money? Well, you have to crawl before you can walk especially if you are deep in debt. Therefore, taking small steps and having discipline is your key to debt free. I am right now in debt and living below the line of poverty my goal is to rise up financially and not have to worry what bill is not going to get paid this month just to be able buy food for my family.

 I am going to practice more money saving habits in order to reach my goal and I am going to share this with you. Remember husbands and wives in order to be debt free you have to, "be content that you have all your necessities, but maybe not all that you want." Yes! it is okay to get rid of cable for awhile, it is not the end of the world.

Number one rule "know where every dollar is going" I understand some of you couples hide your money spending from one another for your own benefits, but you will never rise on top practicing that kind of method, you need to be honest with one another and communicate where your money is going. Next, you want to get creative about meeting needs such as finding the best ways to save money.

I take the time to find the store with the best deals when buying food and supplies, for food it is Price Chopper I use my price chopper card and add up what I am spending with my calculator. In supplies I write down what I can't live without and eliminate what I can live without. I know moms!!! I love my candles to, but really if we are broke we can skip buying them. Locate Thrift shops online are shops near you for the best places to go for kids clothes eight years and younger; any clothes fitting older than eight years you my as well forget it because that's the age kids become more harsh on their clothes and shoes.

So lets put in action what we will do first:

• Know where our money is going, let's find an online free program to track our spending or use Quick Books to help organize our budgeting and documents.
• Communication between couples this will help limit the arguing and get both of you on the same goal.
• Look at thrift shops before going to retail stores for bargains,, yes it may take more time but it is well worth it. Now remember some of these store are available online.
• Find a grocery store that saves you money, not only does price chopper chop my prices, but gives me a discount on my gasoline; which is awesome!

Okay this is your homework for today and I will be adding daily ways to save money so not only will I reach my financial goal but I can help you reach yours!

Turning Back Is Not An Option, Let's Keep Going!