Never have any cash on you.

I was joking with someone recently about this. We both discovered that neither of us ever carried any cash and we both agreed that the reason was because every time we had any cash it somehow very quickly disappeared. Kids, wives, people taking up collections for endless things, etc. If I have 50 dollars in my wallet, at the end of the week it's gone. (Sum= -50) If I have 0 dollars in my wallet, the end of the week still comes and I still have 0. (Sum=0) See — I'm 50 dollars richer already.

Truly, it's not very practical all the time, but with ATM machines so prevalent, if a real need arises it's pretty easy to get cash.

Other things :

Make your lunch at home. It takes discipline and it's a pain, but --- If you eat out everyday, it's at least 5 to 7 dollars before you get all done. 5X5= 25 a week X 4 = 100 dollars a month! (Or more)

Credit card debt: Need I say more?

My grandfather always says: "A penny saved is more than a penny earned because you don't get taxed on what you save."

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