Things I Don't Need
Currently tempted by this tiny ring
Do you have a personal policy about spending money on things you don't need? I make a fair amount of money, more than double what I really need. And yet I can't seem to be able to put any money away. It all just gets spent, and at the end of the month I'm not even sure what I spent it on.
Then it dawned on me. When I was paying off my student loans, the first thing I did when I received a paycheck was make a payment on the loan. This way, I didn't have to be disciplined about not spending too much. I simply didn't give myself the option.
I've decided that I'm going to pay myself (my savings account) first when I get a paycheck. Now I don't feel bad about spending the money that I do spend on myself, and I'm saving! Win-win. How do you save?
(Isn't the ring lovely, though?)