Get Smart About Money! BillGuard is another great money management tool. This popular budgeting app...

According to a recent survey of American workers by Accounting Principals, Americans who regularly buy coffee throughout the week spend on average, $1,092 on coffee annually. Then, at the bottom of those, they’re added into the total amount of discretionary spending for the month. If you think about it for 30 seconds, it makes perfect sense. If you don’t know where your money goes today, how are you going to realistically plan where it should go tomorrow? Unless we start writing things down, we’re all going to continue lying to ourselves about how much we spend on bagels , anyway.

I’m not going to tell you a really great way to save a whole lot of money is by not buying toilet paper!” I love saving money, but even that is a ridiculous statement. You need toilet paper! No, that’s not what I’m going to tell you. Saving money is often necessary to balance financial obligations and goals, but obsessing over saving could become dangerous and detrimental to a person’s health and well-being.
To do this, as noted earlier, the task is to sit down for a brutally frank financial self-assessment. We don抰 mean a prissy budget looking at a month抯 expenditure. That omits the cost of Christmas, summer holidays, MOT tests and more. Plan your meals and shopping list around what’s on sale this week. Collect the sale ads that come in the mail and in the weekly newspaper.
Did you have a really bad month last month? Why did you overspend? Was there an issue with planning? Or was it just impulsion? Did you overspend because of a holiday that you failed to plan for? Whatever it was, figure out where exactly you went wrong and what you can do the stop it from happening again. I’ve just started using this free program and love it. Digit lets you save money each week from your checking account. What I really like about Digit is that it analyzes my bank account and determines how much I can really save per week.