To spend today or not

Play games of chance with your extra spending money


  1. One thing to do is to pick a number out of a hat. Maybe have the numbers 1,2,3,4,5,6,7,8 or even go 2,4,6,8,10,12 if you really want to save. Draw a number out of a hat and that’s how much you should save for the day or that’s how much money you can spend that day. So, if you draw a $1 out of your hat then that would be going into saving or maybe that’s all you can spend that day. Likewise, if you draw a 10 then that would go into savings or be that’s how much you can spend that day. Try to do this every day or at least when want to save or figure out how much to spend that day.
  2. Another way to figure out what to spend would be to roll the dice. Get at least one die or if you really feel like spending get two dice or even more. What number you roll would be how much would save or be able to spend that day.
  3. Flipping a coin can also be used. You could have heads to be a spending day and tails be a no spend day.
  4. Then there is always the 52 week spend challenge where you save a dollar a week and keep doubling each week that goes by. Keep going until have enough dough to satisfy the money goal that you have made.

Every little bit counts

  1. There’s a lot to be done with a jar full of change. Games and challenges come to mind.  By now everyone has heard of the 52 week challenge where you put in so much money a week to get to a certain financial goal that won’t hurt too much. Typically, though, change comes from what is given back after breaking a dollar, five dollar, ten dollar or even a twenty dollar bill. I’m usually down to saving my pennies as I spend my silver on things I shouldn’t or just give to the church.
  2. At a store called 5 below, they have special piggy banks for spring break funds, college funds or even vacation funds. Walmart has a lot of cute little piggy banks where they sell watches and jewelry to make saving a little more fun. I got my piggy bank from a garage sale where I just got it for a buck. It is a nice steel one and is pretty big for stuffing lots of money into it. I got my vacation fund jar from the community thrift store. It was on sale at 75% off. So I only paid about 50 cents for it. If you don’t want to spend money on a piggy bank you could just  recycle an old jar and use duct tape to put a label on it that would be your financial goal for the bank.
  3. Also what some people do is double pay. Spend for dinner out and save what you spend for dinner in the piggy bank. If you can’t afford to double pay than won’t be able to eat out. This goes for fancy coffees, junk food, or whatever else spend money on that you think you should just save.  This doesn’t really work for me. What I do is budget my money out and what I have left for spending money I put in a steel cabinet. Money is not with me all the time but if I absolutely need it, it is there. I lock my cabinet so it is harder to get into I have to really think about my spending before going into the cabinet. For some reason if I just let myself have a little bit of money or even a lot of money I spend it. So if I hide my money I won’t spend so much. So far so good, it has been working for me. Find out what works best for you.

Big Money with inexpensive Hobbies

  1. If you must have a hobby let it be a cheap hobby to save money or even make money. Be aware of the cost of the hobby so that all of your money doesn’t run away with it. Keep points!  Know the life of the product and how much each life costs.  Also know when to cut your losses. Know when enough is enough.
  2. There are hobbies with a reputation for being cheap.  Find out what they are and if you have an interests in them.  Find out more about your hobby through your local library or even the internet. Talk to other people about your hobby and see if they know anything to help you out with finances or anything else.  If you can afford it, take some classes on your hobby.
  3. Finally, try to make your hobby pay for itself.  Teach others, sell some stuff or even work for other people concerning your hobby.  You could even make your hobby a career by going to school for the hobby and then getting a job. You might have to make some compromises but it can be done.
  4. Also, it gets lonely doing a hobby by yourself.  Look in the classifieds, craiglists or even just the newspaper and bulletin boards to see if there are other people just like yourself doing the hobby you enjoy.  Be sure to ask around.  You’d be surprised at how many people know who is doing what.  The library might have information too.  Check out their website and even ask the information desk.  Always check the internet. Something might come up on there too.

How to have a good morning routine and a good evening routine

  1. There is this thing called the hour of power – This could be used in both the morning and the evening. When the day starts and when the day is about to end. Set aside hours of everything want to do every day but generally don’t have time. This is like a pay you first in time instead of money. These things include praying, bible reading and exercising. You would spend 20 minutes a piece for each one. Have three or four priorities that have been on the to do list every day and make that a part of the hour of power. An hour just as you get up in the morning and first thing when you come home from work or school. Just one hour to get it out of the way.
  2. Successful people tend to get up early. So to make time to get ready for the day, which is a routine in itself, get up an hour earlier to do your hour of power. In the evening have an evening routine of settling down for the day and then staying up an hour later do an hour of power for the evening.
  3. Once get into the habit of a morning routine and an evening routine won’t have to bother writing it down saving time and money. Also get to do what normally wouldn’t have time to do. You can have more than one morning hour of power and more than one evening hour of power.

Goals pay for themselves

  1. Starting points, mile stones, and destinations are needed for goals to go on their journey. Each part of the goal should have a reward anticipated for a job well done. It makes the journey easier and actually want to accomplish the goal. Less likely to procrastinate. It breaks up the monotony of doing things you have to do and an excuse for doing the things want to do such as finish everything on to do list and then watch that movie. Deadlines help prevent procrastination too and get things done faster.
  2. Rewards give incentive to work toward a goal faster and with more gusto. A goal is needed as a road map to work toward as a light at the end of a tunnel.  A plan is needed to know how to accomplish goal and to break that goal into needed chunks one bite at a time.
  3. Goals keep you moving forward, gets lots of things done along the way and makes sure you are doing something and not going backward. It is good to write down goals and to look at them and to refer to them often.  Don’t just write down once and never look at again.
  4. Keep knocking down goals until you are crushing it. Goals keep dreams alive. If you don’t have a vision will have nothing to work toward and no goals to write down. Some say that without a vision you will parish, become lifeless without hopes, dreams and aspirations.



To Do List Calendar – all in one place.  Plan menu – save time eating and money – won’t eat out as much. Budget and money journal. Plan ahead when spending money not as you go.  Use cash when can instead of credit.

Everything in Order – Closet

Plan clothes out a day ahead of time. Even a week to a month in advance.  Take less time to decide what going to wear and will have more variety.  Have a system for clothes. Take one outfit out of the closet and put one in the closet

Morning Routine/Evening Routine

This is the hour of power.  Have 3 or 4 things would like to accomplish in an hour that you normally wouldn’t have time to do but want to make time to do.  These things could include: Praying, Reading the Bible, Exercising, Cleaning, Organizing, ect. Do first thing in the morning and just after work. This is like a pay yourself first. But not in money but in the use of time.

Time Journal

The journal lets you know where the time went.  What triggers happened to make you procrastinate?  What is the best time of day when you feel energized? Sleeping too much?  Not getting enough sleep?  What went well and what didn’t go so well?  Who is robbing you of time and what can you do about it?  These go in your journal. Look at journal often to see what is happening.



Time is money.  Plan 10 minutes to save an hour of time. Prioritize, Organize, A place for everything and everything in its place.

Know where your time

went.  Time Flies!



Set mini goals for the Day – That’s what a

To Do list does

When Budgeting is not enough to save money – A money journal

  1. A money journal is not just a budget plan on how going to spend money but how you felt when spending money and also what worked and didn’t work. The money journal exposes triggers that made you spend money or save money.  Write in your journal what was too much temptation or what wasn’t enough. The triumphs, victories as well as the let downs and starting over points.
  2. Money journals are good to look back on and even find patterns or trends of what your strengths and weaknesses are to you. You can look back and say, “I am glad I don’t do that anymore!” or “What was I thinking?” Look back to try and strengthen strengths as well as making stronger what your weaknesses have been.
  3. Money journals can include financial goals, dreams and aspirations. Something to work toward so you are not standing still or going backward. Know what you want to accomplish financially 6mos, 1 yr., 5yrs., and even 10 to 20 years from now. Plans of how you are going to accomplish these things could be thought out in the money journal. Now is the time to think about retiring or at least have an emergency fund.
  4. Money journals can be shared with financial partners so they can understand what you are going through financially and what your partners are going through. Now is the time to be sharing hopes, dreams and aspirations.