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May 26th, 2008
Looking Up
Good morning,
Someone once told me years ago, that everyone should have a “go to hell fund” with about three or four months worth of income in it. That way, they would always feel free enough to say “no” to those things in life that are not in their best interest. Creating that savings account can be tough though. Today’s article offers a way to slowly begin saving money.
take care,
Skye Thomas
Tomorrow's Edge
...inspiring leaps of faith
Long Live the American Dream!
This Week's News of Interest:
The new forecasts were sent out to the subscribers and posted to the website last week. Check out what June has in store for you. Here are the links...
Aries June 2008 Monthly Horoscopes
Taurus June 2008 Monthly Horoscopes
Gemini June 2008 Monthly Horoscopes
Cancer June 2008 Monthly Horoscopes
Leo June 2008 Monthly Horoscopes
Virgo June 2008 Monthly Horoscopes
Libra June 2008 Monthly Horoscopes
Scorpio June 2008 Monthly Horoscopes
Sagittarius June 2008 Monthly Horoscopes
Capricorn June 2008 Monthly Horoscopes
Aquarius June 2008 Monthly Horoscopes
Pisces June 2008 Monthly Horoscopes
Quote of the Week:
"Money is neither my god nor my devil. It is a form of energy that tends to make
us more of who we already are, whether it's greedy or loving." -
"You aren't wealthy until you have something money can't buy." – Garth Brooks
"It is unfortunate we can't buy many business executives for what they are worth and sell them for what they think they are worth." – Malcolm Forbes
Feature Article of the Week:
Secret Savings Fund
If you are anything like most Americans, then you have a hard time setting money aside for a rainy day. We’re supposed to put it away before we spend a dime on anything else, but just knowing it’s there can be half the problem. Knowing that there is still money at the end of the month can be tempting when the craving for pizza and movies comes along. I have found an easy way to save money without knowing that I am saving it. This method will work no matter how rich or poor your bank account is.
It involves a manipulation of the checkbook register. Normally, if you write a check for $10 then you deduct $10 from your register just like always. To secretly save money, change the way you are recording your transaction. When you are keeping track of your checks or debit card payments, lie to yourself. Round up to the nearest number ending with a 5 or a 0. If you write a check for $9.50, then you would still deduct $10. You have just added $0.50 into your savings account. Not much but keep at it. When you write a check for $10.50, then subtract $15 from your register. You’ve just added $4.50. Not only did you net $5 into your secret savings with those two transactions, but you have also simplified the math a lot!
When you make deposits, round down to the nearest 0 or 5 ending. For example, if you deposit $918 into your account, then only add $915 to your register. If you add $1104 then only add $1100. Again, you’ve added $7 with two deposits.
I have done this for years and have found that the average savings per transaction is about $2.33. You would think that it would be $2.50 because that’s half way in between $0 and $5. However, there are those times when you really do deposit or withdraw an exact $100 or $55, etc. There would be no need to round up or down because those already end in 0 or 5.
Whenever you are reconciling your checkbook, it becomes much easier. You check off each transaction that the bank has processed. You add to the bank’s total any deposits that are not recorded yet. Then subtract any outstanding checks or debit payments. The bank’s grand total should be bigger then your own because of all of the times that you have lied to yourself saying that you spent more then you did or deposited less then you did. The difference between what the bank says you have and what you say you have is how much you have saved. Ta da! You will be amazed at how fast the money adds up. The more transactions you run through your account the faster you will build a savings.
Years ago as a struggling single mom without child support, I was able to pay for family vacations, school clothes, and even the down payment on a car with money that I had hid from myself this way. I cannot tell you how many times I would remember that hidden money just in time to pay for a much needed car repair or children’s birthday parties when there was no money in the budget for such things. I promise you that you never really notice the missing money and it can really brighten your day when you suddenly realize that it is there when you need it most. It is kind of like putting on your favorite jacket at the beginning of winter and finding a $20 bill that you had forgotten all about.
Copyright 2004, Skye Thomas, Tomorrow’s Edge
Need someone to talk to about how to achieve your goals? Skye Thomas is available for life coaching.
Tomorrow's Edge
...inspiring leaps of faith
Long Live the American Dream!
Skye Thomas is the CEO of Tomorrow’s Edge, an Internet leader in inspiring leaps
of faith. She became a writer in 1999 after twenty years of studying personal growth,
motivation, soulmates, self-
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