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Nickels and Dimes

We’ve all heard phrases pertaining to “nickels and dimes.” And indeed much of ones income can be lost in small things. What seems minute one day quickly adds up.

There are plenty of simple ways to resolve this, and in fact, it can be quite painless to save money.

To start, evaluate your spending habits. Be honest with yourself in checking where the bulk of your money is being spent. With that completed ask yourself, “Do I need these things?” and “If not, am I willing to go without them?” If you thing you’re game, try cutting these things out. Keep a jar in the house for loose change. You may deposit the money usually spent on items like gum or Starbucks and see how quickly it adds up. This can also be used to deposit pocket money or money found out lying in the street.  Have family members contribute. When a significant amount is raised, you can use it for a real investment. You may choose to donate it to a local charity. It could also be saved for future projects or as a school fund.

If you drink coffee out a lot, try making your own at home. You can buy coffee makers with a timer so that you prepare it ahead of time when not busy and it will be ready in the morning when you wake up. You can set it to brew at any time. This way you don’t have to rush in the morning to make your coffee.

Many thermals are available so you can pour yourself some java to go. Brands like Copco sell reusable thermos that emulate the paper cups frequent at coffee houses and shops. By making coffee at home rather than buying a brew from a coffee house, you should save at least 30 to 60 dollars a month. More if you go for fancier drinks than end with – “ccino”.

If you work in a building with vending machines or need snacks at school, try to avoid them. These treats may seem cheap on the surface, but become costly over time and are usually unhealthy. Instead of sodas, bring a reusable water bottle filled with tap water, tea, or another favorite drink. For quick snacks, pack some crackers or nuts and fruit.

When you make a conscious effort to save money, it feels better when you do treat yourself. It also reveals the true value of our needs and the impact of small decisions.

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