deposit weekly or monthly from your checking to your savings account. Out of sight out of mind. In months where you can save a little more, do it! Being honest with yourself, you will quickly realize that $20 per month isn’t really that hard at all…do you really need to buy that daily cup of joe and to eat out for lunch every day? increase your earnings If your current income does not stretch much beyond your monthly expenses it’s time to look at ways of increasing your income. This might involve taking on a part time job, selling unwanted possessions, driving for Uber/Lyft or doing odd jobs/babysitting for others. Many companies like Amazon and HSN and VIP Kids offer work from home opportunities with flexible hours. Get creative! give up extras That pumpkin spice latte is pretty hard to resist and you work hard and deserve it, right? Seek less expensive ways to indulge in special treats like this and add those dollars to your emergency fund. It might shock you when you realize how much you are spending on little luxuries like that. A venti Pumpkin Spice Latte from Starbucks costs $5.25…you do the math. Frequent movie dates, eating out, and impulse purchases can seriously impact your bottom line. Get these things in check and watch your savings grow. bank your loose change A penny saved is a penny earned! Put a jar on the dresser and drop all your loose change into it daily. It’ll be tempting to “borrow” from your jar, but don’t dip into it. You will be surprised at how much you will accumulate over time. When the jar is full, deposit the funds into your savings account. It’s not uncommon to accumulate $200 or more over the course of a year by simply saving your loose chang do not dip into savings Your emergency fund should be reserved purely for unexpected expenses or situations that would otherwise put you at risk of falling into debt. Examples of this might include unexpected car or appliance repairs, unexpected medical expenses and loss of income due to a temporary disability. It can be tempting to dip into the emergency fund to pay for that last little bit of a vacation or back to school clothes for the kids, but avoid that temptation and opt for the security of an intact emergency fund instead. Candace lQuick - Licensed Massage Therapist ������������������������������������������������������������������ �������������������������������������������������� �������������������������������������������� Cupping Massage �������������������������������������������� 3rd Floor - Suite 16, Lakeland ���������������������������������������������� (863) 877-6478 ���������������������������������������������� Lic# MA44151 • Est. Lic# MA32887 ���������������������������� $39.00 ���������������������������� Not valid with any other offers. Valid for new clients only. Exp. 1/31/18 ��������
30206FR
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