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Because when it comes to building your nest egg, these little moves can add up big. Good savers start early, say Janet Stanzak and Kristin Garrett, certified financial planners who started their firm Financial Empowerment as a way to help people kick bad money habits and develop better ones. Many good money savers were taught as children to sock away for a rainy day but even those who weren’t have learned to jump on an opportunity. It’s not new advice but there’s a reason every financial adviser repeats it: Because this is your future we’re talking about. A good rule of thumb is to put 10 percent of your paycheck each month straight into a retirement account, Garrett says. One of the biggest lies we’re sold today, Stanzak says, is that wants are actually needs.
Instead, good savers actually write down a list of their basic needs, their wants, and their big wishes. Learn the things rich people never waste their money on. Autopay makes banking easier: In fact, it makes it too easy for money to flow in and out without your really registering what’s happening, Garrett says. Whether it’s writing out a physical check or filling out the form online, intentionally paying your bills makes your brain note the expenditure. Even better, she adds, good savers write all those down in their budget. Yes, a real, honest-to-goodness written chart or spreadsheet that they update and balance regularly is a trademark of good money savers. You can’t save if you don’t even know how much money you have to begin with. This isn’t a hard-and-fast rule, Stanzak says, but good savers often tend to use physical types of money.
Handing someone a wad of cash or writing out a check provides enough of a mental speed bump to slow down many impulse buys. It sounds simple but one of the best habits good savers have is simply making saving a priority in their lives, says Andrea Woroch, a consumer-finance expert. Little things can add up to big expenses quickly, Garrett says, often before you even realize what’s happening. Good savers will write down in their check ledger or budget all their expenses, even the tiniest ones. Being frugal is a big part of saving money. And good savers are not too proud to use coupons, hunt down the best deal, or research all possible options before buying. Big life changes, like job layoffs, divorces, and illness, inevitably affect our budgets. Good savers amend their spending to reflect their new earning or income status regardless of how painful it is to acknowledge. Does your employer give you a discount on your insurance for getting a check-up every year?
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Does your company have employee stock options or offer to match your retirement savings? Do you have flight miles or hotel points accrued that you’re not using? It may take a little extra effort to fill out the paperwork, but it’s worth the time. Here’s your scary stat for the day: Nearly 80 percent of Americans live paycheck to paycheck, which means most of us are just one bad car accident or layoff from financial ruin.
It may sound obvious but good savers save. None of us are getting any younger, that’s for sure. Yet so many people live in denial of this fact, Stanzak says. The truth is that each of us has risk factors that could affect financial security. Good savers are honest about their particular risks—advancing age, tenuous job security, chronic health problems, family issues, etc.
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I work hard, so I should have this because I earned it. But if you can’t afford a nice car or a day at the spa, you shouldn’t buy it, no matter how hard you work or strongly you feel you deserve it. Online savings accounts generally offer a better interest rate than traditional brick-and-mortar banks, Woroch says. Good savers also shop around to ensure they don’t get charged bank fees and may use a credit union instead. Learn when you should never, ever use your credit card for payment. Remember how automatic bill pay allowed you to forget the pain of paying your bills? Well it works the other way too.
Automating your savings account, either through an automatic transfer on a certain day each month or through using one of the new savings apps like Digit, can take the sting out of saving, Stanzak says. It can be easy to read lists like this and feel completely overwhelmed and throw in the towel. But saving doesn’t have to be a huge change, Woroch says. If you’re new to saving, start small. So begin by automating a small amount each week and when you become accustomed to saving that amount and living off what you have left, increase it by a little. The less you have in cash, the less you’re likely to spend on impulse purchases. 16 for the rest of the day.
They make you think you’re not spending much. Instead, use only paper currency to buy everything and put the change from all your daily purchases into a change bucket. 20 a month with this trick. Dump your loose change into a jar at the end of every day. It’s important to take them to a bank, rather than to one of the commercial coin-counting machines you see in grocery stores, which will deduct 10 percent of your hard-earned change. Watch the register like a hawk. Cash registers, as well as humans, make errors.
So watch the register carefully to make sure it rings up the right price for the right item. You might get overcharged if the register mistakes your cream cheese for Brie or hasn’t been programmed with the current sale prices. Take only what you need from the ATM. And most have no idea where that money goes. Figure out how much cash you really need each week and take only that amount out of the ATM. You won’t overspend because you won’t have extra money in your wallet.