Want to Save but nothing left

What do you do when you want to save money but there is nothing left to save? Establish a goal to save money and a certain amount. The next month begin saving. Remember, the key to saving is not the amount but it is about it becoming a habit. For whatever reason you did not save money – do not beat yourself up. I have been there and remember being so focused on paying all the debt off that I could not enjoy life.

Trust me Ladies, it happens. Now you have to take a step and make better decisions. You must be able to enjoy life and pay your bills but not at the expense that you are not able to live life. That does not mean you do not pay your bills. What that means is that you establish healthy boundaries for paying bills and giving yourself the opportunity to enjoy life.

How do you begin saving when you think there is nothing left:

(1) Re-evaluate all of your existing bills

       Cable

       Car Insurance

       Cellphone Bill

       Any magazines

*When it comes to your car insurance – make sure you have the best and most economical policy.

*When it comes to the cellphone – make sure your plan is the best and that you do not have a plan where you are always over your minute limit. Then you need to change so that it is more cost effective. Now for those of you that have a cellphone, a pager and other gadgets, decide what you need. Do not get into the habit of collecting gadgets.

Get creative and begin saving. Takes discipline and commitment to do it. Sure your old self will fight you in the beginning. However, you can conquer self! You are in charge.