![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
rosebeeIt seems like such a little thing. But for some reason I have an almost impossible time saving money.
If I had a bit stronger impulse control at the grocery store & a higher salary, then perhaps it'd be easier. But as it is, whatever money I have just seems to get spent on something. I'm so good, I can even spend money I don't have! [the![[livejournal.com profile]](https://www.dreamwidth.org/img/external/lj-userinfo.gif)
rosebee of now wants to go back and tell the rosebee of several years ago just how evil credit cards are, and exactly *why* they're so evil]
Half of me wants to rubber band my wallet shut with a picture of something (new computer, wedding dress... or both) in an effort to remind myself why I should *not* open said wallet & spend money unless it's damn important. But knowing me that'll work for a few days and then it'll be old & familiar (& not novel) and it will no longer work.
Probably the best thing will be for me to set up an automatic transfer of money out of my checking account and into my savings account each payday. Maybe I can have my direct deposit altered so it goes straight into my savings account. Maybe even a savings account at a different credit union than the one I currently use for my checking account. Having it at a different bank would certainly make it impossible for me to just go online and transfer the money into my checking account where I can access it all too easily!
Definitely something to look into. But I should first make sure that I have atm card & everything necessary to access the money.
I've got to do something. I need to be more careful when I'm grocery shopping. That's probably where I can save the most money if I'm better about not buying the spendy/fancy stuff.
If I had a bit stronger impulse control at the grocery store & a higher salary, then perhaps it'd be easier. But as it is, whatever money I have just seems to get spent on something. I'm so good, I can even spend money I don't have! [the
rosebee of now wants to go back and tell the rosebee of several years ago just how evil credit cards are, and exactly *why* they're so evil]Half of me wants to rubber band my wallet shut with a picture of something (new computer, wedding dress... or both) in an effort to remind myself why I should *not* open said wallet & spend money unless it's damn important. But knowing me that'll work for a few days and then it'll be old & familiar (& not novel) and it will no longer work.
Probably the best thing will be for me to set up an automatic transfer of money out of my checking account and into my savings account each payday. Maybe I can have my direct deposit altered so it goes straight into my savings account. Maybe even a savings account at a different credit union than the one I currently use for my checking account. Having it at a different bank would certainly make it impossible for me to just go online and transfer the money into my checking account where I can access it all too easily!
Definitely something to look into. But I should first make sure that I have atm card & everything necessary to access the money.
I've got to do something. I need to be more careful when I'm grocery shopping. That's probably where I can save the most money if I'm better about not buying the spendy/fancy stuff.
