We are all the same when it comes to saving money. Nobody is born with better skills than someone else. Nobody is a natural at personal finance. Sure, some folks are cheap by nature, while others want to indulge in everything. I get that. That’s not a valid excuse though.
For most of us, our smart phones are only a money drain. We pay at least $40 per month, on a family plan, or up to hundreds per month for unlimited plans, to get our calls and internet wherever we are. We can use those phones, though, to save us money. Here are my favorite free money saving apps.
OMG! OMG! APPLE HAS A NEW PHONE! iPHONE 5! WOOO! … Chill out people. It is just a phone.
While some of my friends have more and make more money than me, I have found that I am often stuck in a spot where I have more money, or at least more to spend. I try to be frugal where it matters, but I look at money as a tool to live a better life, not a restraint.
Anyone who has experienced the pressure of excessive credit card debt or the stress of paying bills they can’t afford, usually can point back to a series of bad financial decisions that they wish they could take back and have a ‘mulligan’ on.
Have you ever heard someone say how much they “need” something that is a complete waste of money? They need their gym membership, they need their SUV, they need their daily latte. We all know that it is a want, but it is an important psychological issue to understand.