I have a lot of vacations coming up soon that i need to save money for. The problem is I always have trouble saving it.
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this is sooo sad but i ive it to my mother to hold and i am a grown 37 yr old woman but i tell hubby if we wanna save give it to her!! plus if i wanna go shopping i always go with her she never wants me to spend on things i want lol
KimmyLynn: thats a good idea in my eyes cause I do the same thing for my daughter lol They took their first vaction ever
this summer. They couldnt save, somthing always happend or somthing came up they wanted more. This time they were determined to go! They kept bringing me money to lock away.
If you know you are going to be eating out a lot just pre-buy gift cards for the restaurants in the area you are traveling. They are a lot easier to hold on to than cash!
You can always have a certain amount of your wages automatically to be direct-deposited into your savings account, so it can sit there out of the way until you are ready to go on your future vacation.
Have it taken from your paycheck into a savings account before you even see it. Even only $5-$10 a week adds up by a years end. If you work OT or get a raise, it can be increased.
Do a web search for the Department of tourism for the location you are vacationing to. There should be websites (or phone #'s you can call) to receive a booklet of coupons. I have done this for places like Gatlinburg, TN, Memphis, TN, and Myrtle Beach, SC.
What my husband and I do is save our change, I know you've heard it a million times. We go beyond change and save 1's, 5's, and about 50% of 10's. We both know the goal of the money so we're never tempted to spend it. The money grows FAST!
Link your checking account to an online bank, like INGDirect (many have decent rates, better that your brick and mortar bank). Signing up is fast and easy. Automatically have your online bank draw some money out each month in order to save. You won't see it, won't think about it too much, and you probably will leave it alone till you want to use it for the intended purpose. Begin little (Rome wasn't built in one day, and you don't give up caffeine all at once); eventually you can do a little bit more, until your ability to save becomes second-nature.
Stay out of stores, then you won't be tempted. If you have to buy something, go in, buy only what you came for, then get out! If you're buying lunches at work, "brown bag" your lunches. Even Micky D's will run $6 or so and a sandwich, apple, and water from home will run maybe $2. $4 X 5 days = $20/week, $80/month, in 48 weeks you'll have $960.
Search walmart's website for the towns you will be traveling to and through to see if there are any walmarts there that have gas stations. If they do, buy Walmart gift cards to use at their gas pumps. It will automatically save you 3 cents on every gallon. If you don't want to buy the cards ahead of time, when you find a walmart gas station, go into the store before getting the gas and buy your gift card on the spot then drive to the pumps to get your gas.
Pack a lunch for work every day. Don't eat out at restaurants, eat at home. Dial down your thermostat before you go to bed at night. When you go on vacation, take a cooler Fill it wit ice and buy stuff at the local grocery store to eat, and use your coupons while there.
I sell stuff on ebay and keep all the money in my paypal account. When I reach a thousand dollars, I withdrawl it and put it in a cd to earn interest at my bank. We also have two garage sales a year that fund our vacations. Last year, between the ebay and garage sales, our family saved $12,000. We went to the beach twice for a week and one weekend a month we went on a small trip. Because the money is ear marked for vacations, the kids are much more willing to help with the garage sales.
The change that is collected from laundry duty is put in a jar and saved as well. The change is divided evenly between all seven children the day before we go on vacation. They can spend it on anything they want. Surprisingly, they generally spend the money on each other. One bought everyone ice cream cones. Another bought McDonalds for everyone. One spent their cash on toys for the youngest two. Fireworks were bought by two for all to enjoy.
We believe in vacations and go often. We want our children to see the world and not just read about it. Like all things, when you make it a priority, it happens.
My best friend and her two children take two large trips a year by plane with the money she has taken out of her check each week. She never sees the money, so she doesn't miss it.
My grandma taught me to make vacations a must. She worked in a factory for 40 years. Yet, she took us grandchildren to Hawaii, Vegas, New York, Canada, Mexico, England, and a month at Yellowstone. All while she was working. When she retired, she spent the next 26 years traveling the world. I do not remember a single Christmas present she gave me, but every trip was an adventure full of memories and love.
Our income and bills are always the same every month, we wanted to save money to go on a mini vacation and the only way to do it was to stop going out to eat everyday. Now when our money comes in on the 3rd of each month I always deduct $150.00 from my checkbook, I always check my bank account every morning and evening everyday to make sure it balances. I have managed to save $600.00. Now we are ready to go on our mini vacation.
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