5. Celebrate your victories!
In the rush of our lives, too often we allow our “mountaintop moments” to pass unnoticed. When you reach a milestone, even if it’s minor in the greater scheme of things, take time to savor it.
This old idea is worth revisiting. It not only saves fuel and wear and tear on your car, it also gives you the chance to connect with others and build friendships along the way. What’s more, on those days when you’re the passenger, you can kick back and enjoy the ride.
7. Pay in cash
Identify a personal-spending trouble spot and shift to a cash-only policy. For instance, if you overspend on lattes, or clothing and shoes, allocate a reasonable allowance each month and pay in cash. Withdraw the cash needed for this category and see how far you can make your money stretch. Paying with cash forces you to see — right there in your billfold — exactly how much you have, preventing you from losing sight of your real-dollar outflow.
8. Save your loose change
Another easy habit to adopt around a “cash diet” is saving your petty change. Here’s how it works: If you buy a bottle of wine that comes to $9.19, pay with a $10 bill. At day’s end, put the 81 cents in change directly into your piggy bank or an old glass jar. This savings plan is relatively painless, keeps the jangling coins out of your purse or pocket, and can deliver a bonus of several hundred dollars at year’s end.