I save money by putting three quarters of my paycheck direct deposited in an account at a credit union that is not near my house so I don't get tempted to drive by and withdraw money. I have only a savings account there. I do not have an ATM card for that account.
The balance on my bank account where the other part of my direct deposit paycheck goes, that one is for the "daily use", so when I see my account balance I always think that is all the money I have, therefore I " watch my money until the next paycheck.
I go grocery shopping twice a month. I take lunch work and make lunch for hubby to com e home at lunch time( he works five minutes from the house), I do too, however, spring, summer and fall I ride my bike to work. I'm lucky to leave close to work. |