Saving One Penny at a Time.
Every day costs are on the rise. I’m hoping this blog will help my readers cut costs and ultimately grow their savings or climb out of debt. My articles will highlight small and easy ways to save a little bit each month.
Getting started can be the hardest part.
Look at your Finances
Nobody enjoys looking at their income and expenditures and furthermore, they usually don’t know where to start. Writing down raw numbers generally does not help people understand where their money is going. I highly recommend using a pie chart to conceptualize your finances into percentages.
Categorize Expenditures
Expenditures typically fall into two categories: fixed and variable. Fixed expenditures are items that you have no control over (i.e. rent or mortgage payments). Variable expenditures are items that fluctuate month to month (i.e. groceries) and/or are items that are consistent but are extras like subscriptions.
You are on the right track.
The most successful people don’t look back to see who’s watching. Look for opportunities to lift others up along the way.
Let’s start saving!
What people are saying
“Beware of little expenses; a small leak will sink a great ship.”
— Benjamin Franklin
“A budget is telling your money where to go, instead of wondering where it went.”
— John C. Maxwell
Jeanine G
Not a financial analyst, just an ordinary person trying to shine a light on saving techniques
Thrifty Pennies 