Time to S-A-V-E!

Non-Negotiables– Not only in dating you should have your non-negotiables but in finances too! Now, when you first receive your check you should have a list with the breakdowns of departments you need to pay. For example it can be easy Your list can be…1. Tithes 2. Savings. 3. Phone Bill. Now you know that every month that these are your non-negotiables. No matter what, these items need to be paid. From here you can base your budget of what you need.

Time to Take Inventory!– Yeah,yeah you might be what we would call a “Repeat Offender.” The one who goes out and buys 5 more items that almost look identical to the ones you have in you r closet. No one’s pointing fingers because I stand here GUILTY. But you would be surprised how much money you would save if you take inventory before going shopping. There is nothing worse than wasting money on replicas.

No Impulse Buys– So every time you head out to the stores set a plan before you head out the door. If you just need to buy a pair of jeans or a cd, that is what you should come back with. Or even if you give yourself a total amount that you’re going to spend, stick to the amount. This way you can have the freedom to buy what you want to  and even indulge in that sale but still stick to the amount you want to spend. Trust me, the best feeling is going out shopping and coming back knowing you stuck to your budget and bought something you wanted! Score!