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A small hint for saving for Christmas: My bank automatically takes out money twice a month from my checking and puts it into a Christmas Club account. I just started doing this this year and am amazed at how much I have already saved for Christmas 2010!! YAY!
When I want something like a book, a dvd, a heart rate monitor, an exercise machine etc. I look it up on amazon and put it in my cart. I do not buy it just yet. After a week or so when I look at the account I often find out that I do not "need" the stuff I so much thought I cannot live without!
I belong to a free site where I'm all the time getting free products and they ship them free and sometimes you can get them more than once. Its called Shop4freebies. They have a place at the top where you can join and ask for it once a week or everyday etc.
We don't eat the :leftovers: after supper anymore. Since I started SP, I take an extra portable dish and dish up my lunch from the meal cooked for supper. Before we used to just eat them! Now, I have healthy portable meals, a variety and never have to buy out!
We had separate savings and checking accounts when the money market accounts appeared. We joined our savings and checking accounts into a money market account that paid interest. Guess what happened?
Retailers are experts at marketing their goods. They want the buyer to buy immediately and without thought. Everyone needs to wait until the next day for larger out of pocket expenses. Sometimes after a little more reflection the must have it results in the I do not really need it!