'If there's something you want, TAKE A PICTURE of the item. If you look back on it multiple times within the span of a week or month, go back and purchase it. If you don't, however, you just saved yourself some money.'
"I immediately cancel all subscriptions right after I sign up. I know I'll never remember to turn them off before the renewal date. Most companies allow you to keep the subscription through the initial sign-up window and then will send you repeat reminders before your subscription is turned off. So, if you want to keep the subscription, you have plenty of chances to turn it back on.
"Also, understand your tax burden. If you get a bonus, increase your 401k contribution to lower the taxable amount. Bonuses are taxed higher than regular income.""I make sure I eat a full meal before I go grocery shopping. When I go shopping hungry, I buy a lot more unnecessary food items that end up going to waste. After I’m done eating, I do a walk-through of my kitchen and make a list of what I absolutely need to buy.
If you don't want/can't afford an app, maintaining a spreadsheet is just as good. However you do it, just get in the habit of looking at your finances at least once a month to make sure you're on track for your budget, savings, and goals. Some months or even years will be worse than others, so don't be discouraged if your progress isn't linear. We're all doing the best we can.""I hate getting rid of fresh produce because it rotted too quickly.
"When I began making more money , I also started investing in a regular brokerage account . This won't make me a quick buck, but it's grown a lot in the past six years!""My kid lives with ADHD. As such, they lose interest in most activities quickly. After paying for many abandoned sports, hobbies, and instrument lessons, I now know to talk to the providers about this before starting.
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