Time to start saving

Okay, I admit it. I suck at saving money. I don’t know why, but with never ending expenses, like grocery shopping, mortgages, insurance, housing and car loans and of course some entertainment factored in, I really find it difficult to put aside some moolah for a rainy day.  I know I ought to start somewhere and while reading this month’s Mother & Baby magazine, I’m determined to make that change.

One of the best ways to save is to first know where the money is going.  I used to keep a record of my monthly expenditure so that I could look back and see where all my hard earned cash was used.  I had an estimated expenditure column and an actual expenditure column too.  In a way, it helped me keep abreast of how I spent my money and deterred me from overspending.  Perhaps I should revisit this idea again.

I also find that making a list while shopping helps to prevent over-shopping.  It really does wonders, especially for shopaholics like me 🙂   Also, when I shop with my hubby in tow, he would remind me not to buy stuff I don’t need, especially impulse buys, which I am very fond of.  And trust me, it is easy to fall prey when I shop alone.

However, the main drive to saving money is the motivation to do it.  And I hope I am motivated enough to carry it through 🙂