Money, Money, Money, must be funny in a rich man含羞草研究社檚 world.
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We含羞草研究社檝e employed the lyrical genius of 1970s Swedish pop sensations ABBA to make this money talk a little less serious and a lot more fun. Try to figure out how many ABBA lyrics we含羞草研究社檝e managed to work in and by the end you含羞草研究社檒l hopefully walk away with new ways to keep some extra money in your pockets. (If not, at least it was more fun to read, right?)
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Budgeting planners and cash diets:
Knowing me, knowing you 含羞草研究社� we both have terrible spending habits, but there is something we can do!
The first step in gaining better control of your bank account is knowing where you含羞草研究社檙e spending and where you can make changes to save money in your day-to-day life.
Cash diets have long been a popular way to get your finances under control. Spending cash rather than using a card or an app on your phone or smartwatch makes a stronger connection in your brain. People think twice about spending cash and tend to spend less than when they use cards or similar methods instead. Additionally it含羞草研究社檚 also much easier to organise a tangible item than it is a virtual one.
offers an that even has space for expense tracking, notes and pockets if you want to take the cash diet approach to budgeting.
They also offer separate that are water- and tear-resistant and come with a carry pouch and their own expense sheets to further organise your money and your monthly, weekly and daily expenses.
The viral 100-envelope, 100-day challenge:
I have a dream, a song to sing, To help me cope with anything含羞草研究社nd that dream is a savings account!
If you含羞草研究社檙e looking for a savings hack that actually works, the 100 envelope challenge is a popular online approach to savings that含羞草研究社檚 blissfully easy to follow. And if you含羞草研究社檙e successful, well let含羞草研究社檚 just say含羞草研究社he winner takes it all!.
First things first! You含羞草研究社檒l need . These work well as they have no windows and are easy to seal (so you won含羞草研究社檛 be tempted to cheat!).
The rules are simple:
- Day 1 含羞草研究社� Put $1 in the first envelope.
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Like we said, simple right? Day 80 and you含羞草研究社檙e putting $80 in the 80th envelope and by day 100 you含羞草研究社檒l have $5,050 in total.
Another variation is to pre-number each envelope and then pick whichever one you can swing on that given day (this approach can be easier if you have more money at certain times of the month and want to plan ahead to make sure you含羞草研究社檙e not having to put away $90 on a tight week).
The biggest problem people have with this challenge is the cash含羞草研究社any of us don含羞草研究社檛 carry it anymore. You can complete this challenge through online banking and move the money over to savings everyday (if you don含羞草研究社檛 incur bank fees) but there含羞草研究社檚 some logic behind using cold, hard, physical cash.
By using physical money, you含羞草研究社檙e less likely to 含羞草研究社渃heat含羞草研究社� and borrow from your envelopes, especially if you含羞草研究社檙e sealing them up and can含羞草研究社檛 see the money inside (out of sight, out of mind).
Best-selling books on finances and budgeting for 2023:
Books on finances, budgeting and generating more income are in no short supply but we含羞草研究社檝e narrowed down our top picks based on popularity and over-all reviews!
Slipping through your fingers all the time含羞草研究社t含羞草研究社檚 never too early to set them up for financial success!
You made it! Congratulations and for those keeping count含羞草研究社� we managed to slip in a total of nine ABBA lyrics, not too bad for a finance article, if we do say so ourselves.
Don含羞草研究社檛 forget to check out our 2023 health and wellness trends, and how to put your personal health and wellness first this year!
Hasta ma帽ana 含羞草研究社榯ill we meet again.
