FC Community
Discussion Boards => Off-Topic => Topic started by: Gerianne on December 07, 2013, 06:50:08 am
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is there a certain time of the year when you save more money than you spend?
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its hard to save in the Dec. for sure. I have not found a good month yet.
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:) I quit spending more than I take in years ago. You can't imagine the feeling of being totally debt free. It is a wonderful way to live. In answer to your question, no. :thumbsup:
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:) I meant to say, "Every Month" I save more than I spend. :clover:
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This certainly isn't it for me, with Christmas and all these birthdays coming up, but after I finish getting everything I'll put the death grip back on my wallet lol
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December is a bad month to save,,but I do try to save a little each month.............. :moneymouth:
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I wish there was but sadly, for me, I need every penny I get to LIVE!!!
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During the months where there isn't a family birthday or Christmas :D
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It's very hard to save money these day. The little bit that we make goes very fast especially if you have a lot of bills to pay or catch up on.
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I usually save the same amount every month.
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I am able to save all my earnings from FC and a couple of other get paid sites to my paypal account and I won't take out of it unless it is a must! This way come December I have money stashed away and I am able to use it for Christmas gifts without it really affecting my other expenses. Works for me!
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Around august i get a chance to save a little bit more money than i spend which is nice but thats about my only saving month wish i had more just cant swing it though.
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I'm pretty good at saving year around because I have a very simple lifestyle; however, in December I use some of my savings for Christmas gifts.
:heart:
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I have the same savings technique: I let my affiliate marketing earnings sit in my paypal until it reaches a certain amount.
I am able to save all my earnings from FC and a couple of other get paid sites to my paypal account and I won't take out of it unless it is a must! This way come December I have money stashed away and I am able to use it for Christmas gifts without it really affecting my other expenses. Works for me!
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I save every penny that I can. I get 2 months ahead on my bills and FC among other sites have helped me with this feat.
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My spending vs savings is pretty consistent year round. I plan ahead for the spending bumps like holiday times or when I plan a vacation. For those I have a separate "savings" accounting method so I know I can cover those expenses.
I learned years ago to inventory how much it costs to live with my basics and the few "luxuries" I like to have (like cable and a higher tier internet connection). Then allotted myself a monthly "mad money" allowance for things like eating out or going to a movie or picking up something I wanted.
Everything beyond that goes into savings. That way, over the years, when I was fortunate to get a rare pay raise, my savings would naturally increase.
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I live within my income and save something every month. I follow the Dave Ramsey plan of living debt-free. I'm not going to pay interest to a bank to use their money when they pay less than 1% on my savings account.
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I am not good at saving, but my husband like to save during the spring for summer vacation.
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I've heard of Dave Ramsey before but have yet to look into his teachings. What is the basis of his debt free living plan?
I live within my income and save something every month. I follow the Dave Ramsey plan of living debt-free. I'm not going to pay interest to a bank to use their money when they pay less than 1% on my savings account.
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I would love to be able to save, but it takes all I make to be able to live. That is why I do my surveys. A little check now and then really helps.
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I agree; it certainly does all help
I would love to be able to save, but it takes all I make to be able to live. That is why I do my surveys. A little check now and then really helps.
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Not really. but I do spend more during Christmas time.
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i try to save.but it's not easy..we only have one check coming in and it's my husbands disability check.so it goes to pay bills ..not much left off to spend or save..but i try to save what i can..december isn't a good month anyway to save for me..
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I try to save all year long. But this year I had to buy me a new car. I have been make 2 payment a month. I hope to get it paid off before my 6 years is up. I would like to retire again. I am 72 years old and getting tired of working. My legs and feet are giving out on me. Hope everyone one has a good day and may God bless each of you and keep you safe.
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I also now consider cable a luxury and am about to disconnect my Comcast television service and join Netflix.
My spending vs savings is pretty consistent year round. I plan ahead for the spending bumps like holiday times or when I plan a vacation. For those I have a separate "savings" accounting method so I know I can cover those expenses.
I learned years ago to inventory how much it costs to live with my basics and the few "luxuries" I like to have (like cable and a higher tier internet connection). Then allotted myself a monthly "mad money" allowance for things like eating out or going to a movie or picking up something I wanted.
Everything beyond that goes into savings. That way, over the years, when I was fortunate to get a rare pay raise, my savings would naturally increase.
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:) I quit spending more than I take in years ago. You can't imagine the feeling of being totally debt free. It is a wonderful way to live. In answer to your question, no. :thumbsup:
I can't imagine ever being debt free! I am so old now I decided not to worry about bills all the time, I do the best I can and when I am gone it won't matter anyway.
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I try to watch every penny I spend all year round. It is harder to do that around Christmas time, because
my heart goes out to the ones I love. I am very thankful for Fusion Cash this year!
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is there a certain time of the year when you save more money than you spend?
A good way to save money is to buy at walmart
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am always trying to save money. Its better now than before i dont have any specific month.
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I try to put back money each month for emergencies/future needs. You never know when something will need major repair or a vital appliance bites the dust.
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I'm a 12 month a year spender! :-\ ... However, around about September I do start spending less money and start saving up for X-mas.
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December is a bad month to save,,but I do try to save a little each month.............. :moneymouth:
i agree.
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I also like to save as much as I can from surveys in my Paypal account. It's a great way to save as you know it's there but you just aren't sure how much!
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Not really, I'm constantly saving up money.
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I save year round. I try to not give in to my wants too much, I look for coupons or discounts and I cook more at home. Of course with Christmas I'm not able to save as much for obvious reasons.
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That's an excellent strategy, especially since Christmas and birthdays tend to set people back financially.
I'm a 12 month a year spender! :-\ ... However, around about September I do start spending less money and start saving up for X-mas.
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I'm a constant saver too but this year I fell into the trap of "treating myself" and have been taking out but I'm definitely going to tighten up on that in the upcoming months.
Not really, I'm constantly saving up money.
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For me, after Christmas is a time that I save money. I think lots of people try to recover from the holidays. I sometimes try to find a part time job to recover. Good luck in your savings.
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I always hope so, but it seems like something comes up every month! There is always something that is tapping into our savings, whether it's a car repair, needing a new appliance, work clothes for the husband, the list goes on. But oh well. At least we get a little bit put away every month!
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That's unique; Christmas time is usually a break breaker for most, especially those like myself who have family bdays in this month. I use to try to get everyone something, now I just gift my kids and those who gift my kids.
For me, after Christmas is a time that I save money. I think lots of people try to recover from the holidays. I sometimes try to find a part time job to recover. Good luck in your savings.
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That's what I was just telling a friend who wanted to borrow some money and pay me back come income tax time- something always seems to come up during income tax time for everyone, including myself. Whether it be regarding the kids or vehicle or appliance repair/replacement or overextended bills.
I always hope so, but it seems like something comes up every month! There is always something that is tapping into our savings, whether it's a car repair, needing a new appliance, work clothes for the husband, the list goes on. But oh well. At least we get a little bit put away every month!
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sure during the holidays you tend to spend more, and during the regular days you tend to spend less, it natural
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It's hard to save money with everything going up from my rent to the premiums on my policies with less and less health benefits every year.
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I try to save throughout the year, but December is one of those months, when you are in spending mode and not on saving mode.
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I spend money for whole year and then I have a vacation last November and i spent it all. Going to another country is so expensive.
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I try to save whenever I can .. no particular month that it seems to be better in .. things are tight so saving is sparse.
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Hmmm...I would say I am saving money all year long. I am the most frugal human being! I like to shop when there are sales and I am a couponer. I get so much satisfaction when I am at the checkout and I learned I saved over 100.00 on my purchases. :thumbsup:
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I usually save more money around the summer time because there is less holidays and more time to save
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I would think it would be from January through November. Then it'll all be gone by December. I think I save from all those months, and then spend them all for Christmas shopping. ;D
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Use coupons and return your cans and bottles to recycling centers will save you $$$$$. :thumbsup:
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:moneymouth: Ugh no - no time of the year that I am able to save money but I am happy if I can just make ends meet - since I lost my hubby and his income that seems like blessing enough to make it through each month.
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is there a certain time of the year when you save more money than you spend?
Probably January thru march. After the holidays and before tax season!
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is there a certain time of the year when you save more money than you spend?
i can make 5.00 last all week if i had 2
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It is hard for me to save more than I spend because I really don't spend much money! I work a little over eighty hours a week so I really don't have time to spend. I am looking at a daytime project that is about ten miles closer to home so I suppose that I will be spending two hundred dollars less because I will be traveling sixteen hundred miles less over a four month period. The new site doesn't have a cafeteria so I should save three dollars a week by not buying a breakfast. I'll have more time because I will be giving myself twenty five minutes a day back in commute time which equates to more work that I can do out of the house.
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I Save All Of The Pocket Change I Get And I Throw IN A Five ,Ten, Or Sometimes Even A Twenty Once A Week . At The End of The Year, Its A Nice Chunk Of Change :)
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I find that I'm able to save a little bit more early in the year than later on when vacation comes around.
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:) I quit spending more than I take in years ago. You can't imagine the feeling of being totally debt free. It is a wonderful way to live. In answer to your question, no. :thumbsup:
It's not that easy. Most people have a mortgage payment. Unless somebody gives you the money there aren't many who can save enough to pay cash for a house and be paying rent while they are saving. There are emergencies that arise and people have to use a credit card. And in today's economy people lose their job and have no choice but to use a credit card. People who have never had to struggle just don't understand.
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I try to save money on the even and odd numbered months. lol I don't do anything different during different parts of the year. I try to save as much as I can all the time.
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Each paycheck I put a fixed amount and earnings from FC in a separate savings...anything extra leftover in my regular savings account at the end of the month after all expenses are paid is a bonus...so far so good.
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there's never more money than we need around here lol. that's why i'm on FC :)
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I need to get a printer so I can get back on my couponing. I felt so productive and finance savvy when I use to do it. I wish the recycling here paid- all I get is a thank you lol
Use coupons and return your cans and bottles to recycling centers will save you $$$$$. :thumbsup:
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when I make more money then I spend haha
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Id say starting right noe until June. Weather is to icky to just go out and bum around and do wasteful spending.
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I do wish I had money to really save. My main purpose is paying bills to keep a roof over my head.