Jun 10, 2013

Serious about saving

I didn't really set an intention for May - and I think it was just what I needed. But we are halfway through the year and I am ready to jump back in to trying to shimmer.

Ben and I have some big adult decisions (i.e. bills) that will be coming up this summer (mainly buying a car) and we've decided it's time to get serious about saving. We're going to tighten the budget, find ways to cut corners (which honestly, we do a lot of already), and hopefully have something to show for it at the end of the month.

I have to admit though, saving in general intimidates me. It's easy to talk about in big general terms, but it can be hard to nail down specifics. Part of that might be because people don't want to talk "numbers" when they talk money because money can be such a touchy subject, but I also think part of it is a lot of people struggle to find what works.

Hopefully I'll have a few things to point to at the end of the month, but I'm happy to pick up tips in the meantime!

How do you save? Do you do it because you "should" or is it something you like to plan/figure out?

What's your intention for June?


Kelly (She Wears a Red Sox Cap) said...

Yeah I agree saving can be intimidating. I used to be much better at it and lately I feel like I am in a habit where I save, but then I end up spending it on trips a few monts later. I am trying to get out of that habit but changing the names on my account and only taking trip money out of the trip fund but- we shall see how that goes. I'm also planning to take a break from tutoring next year which is where I mainly get my savings money, so I need to make sure that I save from my regular paycheck. It's definitely hard!

Nora said...

Each month we get paid, we pay ourselves first. We save because we should, we save for rainy days and we save so that we can have money when we retire/plan for vacations/and just to have some "extra" money if we ever need it. I do find it scary sometimes, and it's hard sometimes too, to not be able to go out to eat with our friends all the time, or to not buy new clothes for months at a time, but I like to know we have a solid nest egg in the bank.

Nilsa @ SoMi Speaks said...

Talking to a financial planner was a HUGE help for Sweets and I when we first got married. Now, we check in with him once a year and he helps us adjust based on changes over the past year. One thing that helps both Sweets and I save is to have part of our paycheck deposited into savings and the bulk into checking - that way, we never really miss the part that goes into savings, since we don't see it in the first place. That said, saving money is still HARD, especially when it feels like new expenses crop up all the freaking time.

Kate @ GreatestEscapist.com said...

I'm... so bad at saving. So. BAD. I upped how much of my money goes directly into my savings account (which is in an entirely different bank than my checking account, so I can't steal from myself) just so I would get money in there. And now I'm broke all the time. And it's HARD.

Stephany said...

Oh, man. I can SO feel you on this! I am terrible – TERRIBLE! – at saving money. It’s just awful. I mean, I do good for a while and put lots of money away and rah, rah, rah! I’m awesome at saving! But then I use it to fund a trip or on something silly and I’ll be back at square one. Sigh. I need to set up a savings account that’s not within my own banking account, because it is SO easy to transfer money out.

I don’t have any tips but I’m just trying to save a little from each paycheck. It’s not much, but something it better than nothing! It kind of scares me not to have anything to fall back on should something happen!

Anonymous said...

I find it intimidating too which is why I don't do it. My plan was to marry rich, but that hasn't worked out so well.

Lisa from Lisa's Yarns said...

I do save, and I became more intentional about it last year when I really focused on my finances. Besides my 401k, I have an automatic deposit on pay day that goes into what used to be an ING account which is now a capital one account since ING was acquired. I like having my savings in that account because it takes days to access it so prevents me from making any rash transferring decisions! :) Saving is tough and I feel like I need to do it automatically because otherwise the money just sits in my account and probably gets spent!

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