How I pretend I don’t have any money is I hide it. Not hiding like in the Great Depression where they put it in couches, walls or mattresses. I hid it in different checking or savings accounts. Sooner or later you will forget about that money. An your left with a whole lot of pocket change.
Another great way of hiding it is set up your direct deposit to your savings. You can tell your employer to automatically take $50, $100 or however much and put it in one account and the rest in you checking account.
Another thing you can do, if you have the availability through your employer, is bought vacation. Some employers not only pay out bought vacation but some employers pay you for the unused vacation they give to you. Which means more money each fiscal year with your employer. Only down fall is not traveling or family vacations.
If your a person that loves to go out and that’s where you spend most of your extra cash, the best option for you is gift cards! I know, it sounds strange but think about it. It’s like a checking account. Except no overages, no maintenance fees, but make sure to read the back of your gift card. Some companies have expiration dates for their cards and others don’t. You add how much you allow yourself to spend and when you don’t use all of it the money rolls over for your next outing.
The best way I have used the gift cards is whenever I get paid I add $10 or $20 to my gift cards. This way it racks up the funds on my cards so I don’t have to worry about making multiple transactions when I want a coffee.
Let me know what helps you save money. Are you a person with lots of credit cards or do you strictly go debit?
“Do not save what is left after spending, but spend what is left after saving.”