the Creative Money blog
After my workout each morning, I drive by the local high school on my way home. The school has an electronic reader board that says, “Smile!” And then it says, “Be NICE.” This drives me nuts on so many levels…but when it comes to money, “be nice” is awful advice.
Every month, it feels like paycheck in, paycheck out. I’m covering my bills, but I am also buying additional stuff that I don’t urgently need. The result is that every month I am coming to the limits of my credit card and bank account again– although it SHOULD be possible to save money. But for some reasons I always spend all the money I have.
What should I do?
I recently had a conversation with my friend about Weight Watchers that went a little like this:
Try this little experiment: Go back through a month of your credit card statement and your banking statement and answer the following two questions:
Gretchen Rubin, author of The Happiness Project has been posting about loopholes, because she has made a study of loopholes as part of her research for her next book, Better Than Before, about habit-formation.Next Page »