Saturday, February 20, 2016

Tools to Help You Save

What if saving money could be infinitely easier with the use of a few tools?  I believe it can be, and there are certainly tools out there that won't cost you an arm and a leg, but will actually help you save in the long run!

Today I'm going to talk about two of my favorites.  The first one is something my son and I recently discovered while shopping at one of my favorite discount stores.

He and I were shopping on Monday, and of course, we had to visit the toy section.  My son is very patient while I look at housewares and shoes, but only if I allow him to browse and choose one small item from the toy section.  On this day, he had chosen his item and we were getting ready to leave the toy section when I stumbled upon this cool bank:

What I was instantly attracted to was the visual aspect of seeing how much we've deposited into the bank.  I have always been a visually motivated gal, so this bank is too cool!  It has a sensor that recognizes what type of coin is being dropped through the slot and adds it to the balance every time I use it.  The winning factor for me is that I got to take it home for $5.99.  As you can see, I already have more deposited into the bank than I paid for it!

Of course, I'll still have to wrap the coins when it's time to turn them into bills, but I think the motivation of seeing this number go up on the bank will help me use it often!

The second tool I love to use, pretty much on a daily basis, is my envelope system from Dave Ramsey.  I'm quite fond of my teal wallet-like envelope holder which came with the Financial Peace University Home Study Kit.  If you've never been to Dave Ramsey's site, I encourage you to check it out immediately (  His site will blow you away with the sheer volume of money resources available to you.  His online store has FPU and other books for purchase. You don't have to purchase the entire study kit.  You can actually purchase an envelope holder by itself.  There's an entire section in his store dedicated to the envelope system!

My husband and I each get a set amount of "mad money" each week.  Basically this is our money to blow on whatever we'd like.  I think Jamie usually spends his on work lunches with his buddies and I usually spend mine on coffee.  However, what I love about my mad money is that if I have any leftover from the previous week, I just add it to my new amount and it grows really fast that way.  I keep my mad money in my envelope holder.  And every time I pull it out to pay, people always ask me what it is or comment on how cool it is.  It's a great tool to get people thinking about using cold, hard cash again.

These are two tools that are consistently helping me save more money.  Now it's your turn.  In the comments below or on my Facebook post, tell me about your favorite tools that help you save money.  Happy Saving, Friend!

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