How can I save my money without spending it?
81711
There's no magic formula. It's just willpower. Put the money a little bit out of reach (a savings account, investment, anywhere away from your wallet and your checking account), and don't spend it.
1116708
set up a budget and stick to it, save a certain amount of money a month and just do your best to stick to that budget and someday you will be free, winning the lottery can help too
270337
Yes and yes. Get a part time job.Limit your spending.
100668
Budget. Figure out how much money you need to spend. Make liberal estimates, and save everything else. Then, little bit little, find ways to lower your spending (find better prices for the things you need, avoid extras like eating out, movies, etc).
80365
First step is to review what you are spending money on.  Prepare a budget and stick to it.  Most people that have money, made it by saving it.  They did not start a business or own one.\n\nSecond step would be to improve your education/training.  Many companies will pay for the training.\n\nThird step would be consider a government position.  The town/city/county/state government positions will include a pension/state retirement.  This will mean that you are saving for your retirement even though you are not actively saving because it is mandatory for government employees.
707091
First, whatever you save, don't take out for whim purchases (try to keep it to true, true emergencies).  Keep putting in as much as you can afford and when you get your tax refunds back in April/May (based on your salary, I'd say you'd be due for a refund from the IRS and perhaps your state too), don't spend that money, save it (as you never has access to the money in the first place).\n\nGMAC Bank (primarily online, FDIC insured) offers 5.16% interest on their Money Market Accounts (MMA) with roughly a 5.25% Annual Yield (this varies as they change up their interest rate when the Feds do).  They won't slash your interest after six months (or after a certain period of time) although you need to keep a Daily Average of $500+ with them.  It's also a great vehicle to prevent spending since you get charged $10 for every withdrawal over the limit of three (3) you make in a month although you're free to deposit as much as you like whenever you like.  You can set-up automatic bank-transfers and direct deposit very easily.
8376
You can make more money or spend less money.  Maybe spending less money is a more realistic option.\n\nTrack ALL your expenses for a couple of months, see where and how you are spending your money.\nMake a budget and make some tough cuts (like canceling your cell phone or cable tv or eliminating a daily cup of coffee from Starbucks).  You'll be amazed how much you can start saving for a new car when you make a budget and stick to it.\nDon't forget, when you get a car you will have to a pay for gasoline and insurance on top of the monthly car payment.
304776
Use your own money, in small increments or save it until you have enough.
1091015
You can open a basic savings account to accummulate the money at the beginning. Any major bank would support an online account.
661938
Hi, i would like to introduce to you something incrediblely amazing new method of becoming more financially free. \nI am not joking, serious about it. Its a new system created not long ago and has tremondous potential to expend. Sky is the limit.
193873
Start by making a budget and stick to it you can not save money by accident you must do it on purpose. I think the best way to start is in a book written by Dave Ramsey called Financial Peace. He has written several books but that is the first and very good "More than enough" is his second book and very good also if you like the first. His books are available in any book store and many library's. Good luck to you.
153773
You must not spend any more than you earn.  Credit cards may get you into trouble, as you can amass lots of debt.\nWhen I was young my parents had us save our money.  When I got my first big job, I saved half my check, Yep, half.\nSave, Save, Save.  Don't buy everything you think you need.\nI'm not rich (money), but I don't owe either, ANYONE.
99145
You're a step ahead of most people.  By now, you have a good grasp of what you're spending money on.  Take a good hard look at how you're spending your money.  Some expenses are "fixed" - meaning they don't vary each month.  Some expenses are essential (food, gas, housing, etc), while others are not (morning latte, manicure, movie tickets, etc).  Take a look at where you can cut back on those "wants" rather than "needs" and you'll find that saving money is not that difficult.\n\nNow set some goals for how much you'd like to save.  Start each month by paying yourself, so to speak, and put money in your savings account in order to build a nest-egg.  Some people find that having money automatically withdrawn from their paycheck is the easiest way to "force" them to save.  \n\nYou may want to check out this cool calculator that can help you manage your budget:  http://www.fuzeqna.com/smcu/consumer/kbdetail.asp?kbid=1929\n\nYou might want to use a software program such as Quicken to help manage your finances and goals.  But the system isn't as important as the action.  You're on your way!
1014448
I have found the best way of saving.  I was able to put away approximately $8000 in 18 months.  Look for www.sharebuilder.com.  Its an investment site.  You can purchase stock for $4.00, no matter how much stock you buy.  Do some research.  I chose companies based on the products i use in my daily life.  I found it be fun to save and also enjoyed shopping for new stocks.  The dividends usually pay better than any savings account, so give it a try.  It worked for me.
721382
There are some excellent resources out there for saving money on a budget. \n\nLucy Lazarony with Bankrate.com has some excellent advice tailored specifically for college students:\n\n1. Track it\nTrack your spending for two to four weeks to find out where your money is going. Are four trips to Starbucks a week really necessary?\n\n"They don't realize how much they spend on little things," says Vickie Hampton, a financial planner and an associate professor at Texas Tech University in Lubbuck, Texas. "That's the most common revelation."\n\nMark Oleson, director of a financial counseling clinic at Iowa State University, adds, "Usually, just by tracking expenses, you'll start to curb expenses." \n\n2. Get a plan\nThe best way to manage your money over the course of a semester is to sit down and map out a budget. List sources of income such as scholarships, loans, money from summer jobs and cash from your parents as well as expenses, such as tuition, books and groceries. \n\n3. Good time money\nIf you know you need to buy a new CD or go to concert or a party every week, make room for that in your budget. \n\n"You need some entertainment," Hampton says. "A student is going to get really burned out if you don't do anything fun."\n\n4. Pace yourself\nIf you spend, spend, spend at the beginning of the semester, you could be tapped out later. Give yourself a spending limit for each week. Stick to it and you won't have to eat macaroni-and-cheese every day in December.\n\n5. Go easy with the credit cards\n"One quick way to spend beyond your means is to charge it," says Mallary Tytel, president of Healthy Workplaces. \n\nUse credit cards sparingly. Once you get into the habit of reaching for a Visa, it can be hard to stop. \n\n"I saw a student pick up a bag of chips and charge it," Tytel says.\n\nWho wants to pay interest on a bag of Doritos?\n\n6. Set your own credit line\n"Just because you have a credit card with a $2,000 credit line doesn't mean you have to spend $2,000," DiSpirito says. "If you know you can only pay back $500, then just spend that."\n\nAfraid you'll spend as long as there's room on the card? Call your credit card company and request your credit limit be lowered. Keep at it. Card companies will try boost up your credit lines so you spend more. Tell them "no" each time they try. \n\n7. Get real\nYou can do what you want, but you can't do everything you want. You're going to have to make some choices. Whatever you choose is going to cost some money. Be realistic. \n\n"You need to understand you can't have everything and you have to understand there are consequences," Tytel says. "At some point there needs to be a reality check in terms of what things cost. Most kids have no idea."\n\n8. Stuff happens\nIf you bust your budget on something you really, really want to do this week, make up for it next week.\n\nIf you find that you must go out to dinner and a movie one week, spend the money; be satifisfied with the decision, and commit to staying home, eating at home and not making any other purchases the following week.\n\n9. Look ahead\nWhether it's a road trip with friends or an auto insurance bill, if you know a big expense is coming, start putting some money aside to pay for it.\n\n"It's a lot easier to set aside $50 every month than to come up with $300 when the bill is due," Oleson says. \n\n10. Get in touch with your roomie\nContact your roommate before the semester starts and divvy up expenses. Chat about who will bring a refrigerator and who will bring a microwave. \n\nThis way you avoid duplicating purchases and excess spending, but will still have all the conveniences to make college life easier.\n\n11. Spread it out\n"Most of the big expenses are at the beginning of the school year," Tytel says. "Buy books as you need t
100261
Saving is not about Big Numbers. It isn't even about Little Numbers Across A Long Time. It is about Consistent Numbers Across Any Time.\n\nSaving money certainly involves "not buying stuff." But this view is far too narrow. So long as saving is equated with sacrifice it will be an uphill battle to save. Having day-to-day life that is as stress-free as possible is very important. Continual sacrifice and stress-free living clash harshly for many people. Some people focus on changing lifestyle-related choices, sometimes called the "latte factor," as a method for realizing day-to-day savings. I agree that this is good advice for some people, but as a first step it isn't necessarily the most effective. There are other things that can be done, too.\n\n1. Reduce monthly fees. Stop paying banking fees for services you don't use or don't need. Many banks charge monthly "service fees" or "maintenance fees" for checking accounts. If your bank offers "free checking" or "free checking with Direct Deposit" (and you have Direct Deposit) switch your account, or find a bank that does offer "free checking." Even the smallest leak in any plumbing system will eventually collect enough water to fill a bathtub, so to will even the smallest recurring monthly service fee eventually steal one month's rent.\n\n2. Detemine a reasonable monthly budget. It is important to know "where it all goes." Rent, utilities, cell phone, car payment, insurance, groceries. There is no doubt these numbers exist, but most importantly nearly all of them can be known in advance. Some of them can't be known exactly, but they can be estimated. My advice is to estimate unknown amounts not for the sake of accuracy ("The cell phone bill is usually $40.00 per month."), but for the sake of certainty ("The cell phone bill has never been more than $80.00 in any month."). In the beginning of making and using budgets, they work best when costs are overestimated rather than underestimated. It is far less uncomfortable to have "too much" money left at the end of the month than it is to have "too little" left over and bills still to be paid at the end of the month.\n\n3. Begin saving automatically. If your employer offers Direct Deposit, and you can open a "free checking" account (with or without Direct Deposit), use this financial automation to the maximum. Open a second checking account. Then contact your HR department to request that your paychecks be split across your two checking accounts.\n\n4. Separate paying bills from saving and investing. Use your primary account for all monthly expenses: rent, utilities, food, car payments and pet food. This is your "Cash" account. The second checking account is dedicated for saving and investment purposes. You won't draw funds from this "Investment" account to pay bills. That isn't what saving is about. Saving is about having money available to fund medium-term and long-term goals. Things like retirement, paying college tuition or buying a home. The "Investment" account will drive all of your automatic saving and investment mechanisms. Similar to Direct Deposit, schedule Automatic Withdrawals to transfer funds from your "Investment" account into high-yield savings accounts (4.50% or better) and retirement accounts (Traditional and Roth IRAs).\n\nHere is how to implement the above steps.\n\nLook at the ING Direct website. ING has savings accounts with excellent interest rates, with no minimum required balance. In addition look at the Vanguard website. If you don't have an IRA, 401k or any other kind of retirement account Vanguard has the lowest custodial costs ($10.00 per year) and lowest minimum required balances (usually $3,000.00) of any financial services company today.\n\nAccumulating enough money to open an account with Vanguard may
749494
Spend $100 on something you want/need.\nSpend another $100 on something stupid (go crazy with this one...once in a lifetime thing)\n\nSave the rest.  Put it up somewhere like you didn't even have it until some time comes along when you really really need money.