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Have More Cents: A Young Woman’s Guide to Saving Money and Still Doing What You Love

Have More Cents: A Young Woman’s Guide to Saving Money and Still Doing What You Love

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Have More Cents: A Young Woman’s Guide to Saving Money and Still Doing What You Love

72 página
48 minutos
May 5, 2014


Do you often find yourself a little nervous to check the balance of your bank account? Do you wish that you had a bit of extra cash to take a spontaneous vacation or buy a car?

If you find yourself in one of those situations, chances are you need to start saving money... but you probably don’t want to give up the luxuries you have today.

Inside "Have More Cents: A Young Woman’s Guide to Saving Money and Still Doing What You Love", we’ll show you exactly how you can live for less without cutting the fun out of your life (or the occasional, expensive handbag!).

You’ll learn how to:
-“Take down” a CVS (so they basically pay you to shop!)
-Save money without affecting your quality of life, by saving on entertainment
-Save on your normal expenses such as gas, transportation, and utilities
-Find great deals on luxury goods
-Stay fit without breaking the bank
-Use some of the best websites to help with your budget and to save on restaurants, home décor, designer goods, clothing, and many other items
-Smartphone apps that you can use to save and control your expenses, while you are out and about
-And more!

And, since technology is a part of life, included is a variety of mobile phone apps and websites that you can use to do all of the above, and more!

Let this book be your guide to living a full life on a budget, while still having fun. Pick up "Have More Cents: A Young Woman’s Guide to Saving Money and Still Doing What You Love", and start saving today!

May 5, 2014

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Have More Cents - Katie Chandler


Chapter 1: A Brief Introduction to Saving Money

Why Do You Want to Save Money?

I don’t know a single person who is naturally good at saving money. It’s something that everyone actively has to work at. I know quite a few stingy people, those who refuse to spend money even when it’s necessary, but being stingy is very different from being good at saving money. To be good at saving money, you first need to understand what saving money is all about—for you.

Saving money, for me, is about having a little something extra set aside in case of an emergency. Car breaks down? Covered. Spontaneous ski-trip that leads to injury? Covered. For my mom, it’s having a little something extra to spend around the holidays, so she can spoil us even in adulthood. What does saving money mean to you? What will it contribute to your life?

Maybe you’ll be able to get more sleep, like me, knowing that you’re covered in case something unexpected happens. Maybe you want to start stashing money in your mattress because the state of the global economy scares you into hoarding. Maybe you want to be able to take a vacation. Maybe you’re saving to buy a house, a car, a boat, a motorcycle, or a hovercraft. It doesn’t matter what the reason is, as long as you’re committed to it. Saving money is hard. Saving money for a reason you care about and are invested in is a bit easier.

There are dozens of reasons that saving money is hard to do. Humans are social creatures and enjoy contact with other humans. There is no guarantee that the other humans you are spending time with are on the same type of budget that you are. I, for example, have a group of friends who go to get pedicures every week. Unfortunately, I just can’t afford to do that. The compromise: I go once a month, and the other three weeks, I give myself a DIY Pedicure in 15 minutes. We’ll get to that later.

Would I be able to sacrifice time with my friends and an activity that I enjoy (who doesn’t love being pampered?) if I hadn’t identified my reasons for saving money? Nope.  So figure out your reason for saving money. Stop putting it off until the next paycheck. Saving money is hard, but people do it every day. The successful ones are committed and prepared.

It Happens Every Day

The successful money-savvy people I know are successful because they are prepared. I don’t mean that they stockpile coupons in every corner of their home (though my cousin certainly does). I mean that they have a plan. Planning to save money is the only way to actually do it. There are several components to any good money saving plan. The first is your budget.

Sounds simple, right? Make a budget. Everyone does this differently, but there are a few basic steps. To make your budget:

Know exactly how much money you make every month

Know exactly how much money you lose every month

Know exactly how much money you have left over

Your income is likely eaten up every month by expenses that you simply don’t have a choice about paying. These are probably things like:





Debt of any kind (credit card, loans, etc)

If the sum total of these non-negotiable monthly expenses is higher than what you make in a given month, you might want to think about moving. Or getting a roommate. Or taking the bus more. These are the things you can’t control—you have to pay for them every month. You can be smart about them, but they must be included in your budget.

The easiest way to make a budget is to use Microsoft Excel. It even does the addition and subtraction for you! Simple as it may seem, writing it down is the first—and most important—step in budgeting. Why? Because it holds you accountable for your spending. So open up Excel right now and start being accountable for your money habits—good and bad. Assign one row in a spreadsheet for every non-negotiable in your life.

The Hardest Part: Identifying Wants vs. Needs

After you’ve identified the non-negotiable categories in your budget, the hard part begins. In a sense, the more non-negotiable items in your budget, the less you have to identify your own personal wants and needs, because you’ll have less room to spend money on them.

On top of the items listed above, there are tons of things for us to spend money on. A comprehensive list of all of them would take up this entire book. From the Home Shopping Channel to the local pharmacy, there are things to buy. Are they useful, necessary things? Sometimes. Do you need them? No—at least, certainly not all of them. I still have a Snuggie warming the back of my closet.

To avoid buying a Snuggie when a simple sweatshirt/blanket combo will do, you need to establish a hierarchy of your wants. What do you want most? What is most important to you? Past the

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