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Can you calculate average amounts by using past bank statements or pay slips?

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fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Sat Jan 31, 2009 3:49 pm  

One of the biggest things for us is not to carryu cash around. We deposit all m oney in our checking account. Before we would keep out a few dollars but when we were trying to cut expenses we seen that this was more like throw away money. We could almost never account for it going to anywhere but junk. It really saves alot especially if added up in a years time.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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1915 Magic Points

Subject: credit
 
Posted on Sun Feb 01, 2009 12:57 am  

Putting away $5.00 here and $5.00 there...this REALLY does add up and you have a 'nest agg' for some emergency expenses, as well. I know sometimes THIS can even be hard to do, at times.
ensurepune

ensurepune

Joined: 17 Feb 2009
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501 Magic Points

 
Posted on Sun Mar 08, 2009 6:10 am  

this is really difficult to add some money to the kitty on daily basis but one must need to understand that this saving habit will pay a big sum as the years passes.Just consider putting $ 5 per week it will be whopping $ 20 per month and thus $ 240 P.a.
Never touch this amount.... Wink
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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1915 Magic Points

Subject: credit
 
Posted on Thu Mar 12, 2009 9:55 am  

I think we tend to see the 'short term' of the issue (ie..only a few cents a week) instead of the 'long term' ( ie..how many weeks in a year, etc.). Yep...it CAN add up.
fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Thu Mar 12, 2009 1:59 pm  

When saving this amount try putting it somewhere where you can not access it if your one of those types who can not seem to resist the smell f money nearby. LOL. I use a saving s account and did not apply for a debit card for that account. It would be too easy. I think this process would also work well with credit card bill. Putting a few extra dollars to each payment every month would bring down the debt and add savings since it would be less interest you would be paying.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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1915 Magic Points

Subject: credit
 
Posted on Fri Mar 13, 2009 11:24 am  

For example..it's never too late to start an IRA or a CD kind of thing. A few dollars each month will add up AND you can't get to the money as easily as you could with other accounts you may have. I recently started a 401(K) through my employment. I can put in a % or a 'flat' rate, from my checks. Also......THEY put in 6% themselves, every month, of what my monthly checks are. I can't get to this money until I'm 59 1/2. However.......if I have some kind of 'Hardship' ( Funeral expenses, can't pay my rent, etc.), I can. I think it's pretty good for me.
goodnatured



Joined: 03 Nov 2007
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436 Magic Points

 
Posted on Sat Mar 14, 2009 11:08 am  

I think that people assume because they can not save a huge amount that they don't even attempt to look at retirement plan, you are exactly right sd, any little bit helps and it does add up surprisingly fast.
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fireyone



Joined: 26 Feb 2008
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123 Magic Points

 
Posted on Sat Mar 14, 2009 12:39 pm  

401K is an excellent plan. You are correct SD. If you fall onto time of hardship you can access the money. For example if you get an eviction notice or foreclosure all you need to do is use this as proof you have come onto hardtimes and you can access the money. The best thing is they have you pay yourself back WITH interest. This adds even more money to your 401k because you are paying yourself that interest, even if it isn't a high rate. My sister recently took out a loan against her husbands plan for an outdoor furnace.. Theres went on the blink and they had no extra funds to buy one. Every two weeks (or however you get paid) they take an allotted amount out of your pay to put back into the fund.
sdchargers_63

sdchargers_63

Joined: 13 Aug 2007
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1915 Magic Points

Subject: credit
 
Posted on Sat Mar 14, 2009 1:58 pm  

Hello, FIREYONE..long time, no talk to!!LOL I'm REALLY excited about this, too!! The 401 (K) actually starts next month for me. I get a statement every month, stating the amount that is in it. My OTHER employment din't have anything like this.
ensurepune

ensurepune

Joined: 17 Feb 2009
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501 Magic Points

 
Posted on Fri Mar 27, 2009 7:05 am  

Quote:
When saving this amount try putting it somewhere where you can not access it if your one of those types who can not seem to resist the smell f money nearby.


what i personally do about it is i work for mechanical turk (amazon) on daily basis and generally work till i get $ 5/day then i do not work for that day.it hardly takes me 2 hrs to earn that amount. but i never withdraw that amount (payment option chosen 'by check only') so i never get tempted to go for withdrawal.even if i work 60 hrs per month it works out to be $ 150 savings per month.

as amazon being one of the trusted site i can rely that my amount will be safe there. once i get some specific amount i.e.$ 500,1000,1500 i wish to use it for some big tasks. Idea
Firang



Joined: 28 Apr 2009
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Posts: 55



-37 Magic Points

 
Posted on Thu May 21, 2009 5:22 am  

ensure this is very small amount as compared to earning is concerned.Can you tell some other websites where there is good savings opportunities.
morish1



Joined: 10 Jun 2009
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228 Magic Points

 
Posted on Wed Jun 10, 2009 11:27 am  

That's a hard questions to answer, because it depends on what part of the country you live in. It also depends on if you are married or single and have kids or not.





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smarty231



Joined: 16 Jun 2009
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Posts: 6



188 Magic Points

 
Posted on Tue Jun 16, 2009 9:42 am  

I look back (hindsight is always 20/20) and I wish I had done things differently with money as I got older.
qwerty123



Joined: 06 Jul 2009
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200 Magic Points

 
Posted on Tue Jul 07, 2009 7:48 am  

Budgeting is one way to earn more money.for me i have to spend only what is important for my everyday used.
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Posted on Mon Jul 13, 2009 4:32 pm  

The best way of happy life is to being well setup of money. For well setup of money each must budget their way of incoming money. For budget of incoming money each must control their wishes.
Because wishes are unlimited but flow of money are limited. If each one controlled their wishes, the flow of money would be in superior stable position. And superior stable position of money means way to happy life.
After all I suggest that we have to control our wishes.

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