We've all been there at some point. Buying things happily, then sadly not having any more to spend! The horror! The pain! These few steps and reminders should help you save up for that big ticket item you've been longing for though. They might even help you pay off your bills.
Find out how much money you do have. It's no use spending money you don't have, so it goes without saying that it's easier to do when you know how much money you can spend.
Avoid the Credit Card trap. It's so easy to think you've got $5000 to spend on a little bit of plastic. But, unless you have $5000 in your bank account, you won't be able to pay the bill off, and the interest can drown you out, so avoid plastic altogether.
Remember what your parents said when they gave you your first credit card? "Only for emergencies!" At the time you may have thought, 'Well, if I don't get that new video game, it's going to be sold out! This is an emergency.' But now that you're older, you know better. A severed limb, now that's an emergency where you can use your credit card.
Realize that you don't need to go out and see that new Jude Law movie on the big screen. Going out to the movies is fantastic, I'm with you on that one. But think about it. It's not just the movie you're paying to see. It's gas money, food, maybe you want to hang out for a while at the arcade, grab some dinner afterwards....it adds up!
You can wait until the movie comes out as a seven day release at your local video store. New releases are a dollar or two more, but it's okay to wait an extra month. This step can go with anything. You don't need 8 pairs of jeans, or 17 pairs of shoes, as nice as they may be.
Stick to no-name brands. What?!? No Kraft? No Royale??? It's okay. Most people really don't care if they go to your house and see you have a cupboard of 'Safeway' soup instead of Wolfgang Puck. This step more goes for things like paper towel, tissue, things like that, depending on how health conscious you are.
Make a weekly budget. This one's pretty easy. Monthly budgets are great, but they can be hard to keep track of. Weekly ones are just that much easier to follow. Know how much you are allowed to spend, how much you've got to put in the bank, and how much you can set aside for any unexpected costs.
Voila! Hopefully you're well on your way to having a bigger bank account! Another mini-tip: Find out whyyou're spending on stuff you don't need. Shop-a-holic? Retail Therapy? Try popping bubble wrap instead. It's cheaper, and just a tad more fun.