Money isn't the key to happiness but it's still essential for any number of things in your life. You don't need to have millions of dollars, but knowing that you have some disposable income or an adequate savings account for luxuries and emergencies will go a long way toward putting your mind at ease. However, if you don't stop wasting what you have with bad habits that secretly suck all your cash, you'll never build up your savings.
Your Utility Bills
Do you keep an eye on your monthly bills for gas, water, electricity, and your other utilities, or do you simply pay them and have done with it? Millions of people do just that, but it's a huge money mistake. Go over the details of your bills before you pay them. You could actually pay out more money than you need to due to mistakes or disputable charges of which you aren't even aware.
The Way You Shop
Are you into retail therapy? Buying things might seem like it makes you feel better, but you'll end up feeling worse when the bills come due or you don't have enough money in your account to cover your bills. Buying the occasional luxury is fine, but making a regular habit out of it points to deeper issues.
Instead of buying designer shoes or the newest, shiniest tech gadget, why not have a live psychic chat? You can talk to your psychic about the reasons behind your shopping binges, to get to the core problem. Your psychic can also help you come up with alternative coping methods, all while encouraging healing.
That Designer Coffee Habit
From Starbucks to Dunkin' Donuts to McDonald's, lots of places now offer delicious designer coffees. They're tasty and ostensibly great for a quick pick-me-up, but all that sugar will make you crash later—and the cost does the same thing to your bank account. You may not think a few dollars could add up to so much, but daily coffee drinks can cost you hundreds of dollars every month. Why not make this a once-in-a-while treat and create your own caffeine confections at home instead?
Your Eating Habits
The way you eat and what you eat can also kill your savings. It's not solely about eating healthy, but by saving money with your eating habits, you can improve your health as well. For example, you can:
- Stop eating out so often.
- Make your favorite restaurant meals at home.
- Use your leftovers and stop wasting food.
- And clip coupons when it makes sense for your purchases.
Insidious Interest Rates
The interest rates on your credit cards and loans can bleed your savings as well. If you have a lot of debt and always pay the minimum, you're not doing yourself any good. This time, have an authentic psychic reading about your finances. Put together a payment plan and find out how to create and stick to a budget.
You can save so much money simply through the smallest changes. Why are you interested in saving?
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