How do you save up money? I think I’m being frugal while everyone around me tells me I’m a spender. My bank account maintains no savings after my state income tax, mortgage, bills, and credit card pmt

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Invest, get solar and get credits and save on your electricity, buy a chevy volt and get the credit and spend 20 a gallon on gas a month install LED bulbs and buy cereal from costco for breakfast lunch and dinner

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My wife taught me this strategy. Money you dont see is money you don't spend. Have a separate bank account and move however much you want to save out of your main account into there (might work best if it's a different bank so you can't cheat yourself easily) and then the money you have left over is what you have to work with. Just have to be disciplined about it.

Also, Make a budget and check what your spending your money on at the end of each billing cycle (meals, rent, clothing, etc)

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Don’t spend as much?

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Get an accountant and a financial advisor, or at least a mint account to see where your money is going. If your bills are taking up your entire paycheck, you need to cut something out or downsize your house

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Deloitte just started offering free financial advisory services through LearnVest as part of its benefits package to at least most practitioners- check that out for free, reputable financial advice

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Also, Deloitte employees can use LearnVest for free, highly recommend checking it out

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It sounds like everyone else is right

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Ditto on A2. Auto-deduct from my salary helps me forget that Money, and goes directly to my savings. You can then switch that savings to a high-yield account, and leave it there for years, or you can use a portion of that savings as investment money. Our company offers ESPP, being a publicly-traded company, so we take that opp to save and invest.

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ESPP FTW!

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Don't spend it on alcohol and partying too much?

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Read/listen to Richest Man in Babylon. Simple and quick read but what you need to know. First point and where you start: save minimum 10% of your income for long term savings, no less, even if you’re in debt. Do it by paying yourself first, auto deduction, and let it compound

try You Need A Budget (YNAB)

You either work for the money or let the money work for you

Ynab sucks

I hired Financial Gym recently to hit goals. Nice virtual program, monthly checkins, forward projections, etc.

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