The short answer is, yes! But it has to be kept up – or else you risk having them sit over a bar and tell everyone about how they’re saving for a house down the road.
As for our money management? Well, not the same.
We’re pretty relaxed about spending money – particularly on anything expensive, like a home or cars (unless a car is really crucial).
We’re not buying clothes with our own money – and no, we won’t be living in a cheap home.
At the same time, it’s hard to tell us what we should and should not be buying, so, with the amount of money you’re saving, you’ll want to stick to a budget for the majority of the money – but at least use your savings more wisely in deciding what to buy.
As far as savings go, when we’re not saving more, we’re actually more conservative.
Our biggest mistake has been buying things we might not need. This, combined with a lack of discipline when it comes to spending (and it’s just our own fault…), has kept most of our savings to our cars or our bank accounts.
If we want to be able to invest some of our cash, that’s when we should be saving.
With that in mind, here are two options that will take care of most of our living expenses:
One to save the least:
The first option is the only one I believe will work for most of us. This way, you’ll keep most expenses for your lifestyle low, and you only need to work 4 hours a week – on the job.
The benefits of this plan?
There are so many advantages – you’re only paying rent and utility bills, for one. Plus, you’re saving money on the interest on it. Plus, there are no monthly fees: you pay nothing at all. No monthly taxes, no insurance – this is ideal when you don’t have very much spare cash to spend.
It’s super simple to implement. All you have to do is set aside a fixed amount a month, which is the same amount you usually pay for utilities.
So, for example, if you save $200 a month it’ll last you 18 months. With the exception of rent, this plan will save you $1,200 a year!
When you save your money like this, it’ll help you save faster – because your budget won
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