plan for money

If your plan for money for your next emergency is to scoop up the change that falls between the cushions, you might want to come up with a better plan to add to that stash. It is always a good idea to have a little extra for the lean times. Rainy days could be just around the corner. That's when rainy-day funds become necessary!


Here are 3 clever, and virtually painless, ways to put aside some money now!
1. Put aside a large envelope, cookie tin, coffee jar or something similar. At the end of every week, throw a couple of dollars inside. By the end of your first month you should have some extra cash put aside to have a nice start on an emergency fund.


The most important thing when doing this is: Don’t count it or spend it.
Place it somewhere that is hidden away. Put it somewhere that you won’t be tempted to dip into it.


2. The next time you treat yourself or your family to a meal out, tip yourself! Just as you tip the waitress 10 to 15 percent, put the same amount aside for yourself. When you get home, stash it away in your cookie jar. Every time you go through a fast food window, put a dollar away for that cookie jar, too!


3. Next time you pay off that big-ticket item like a new car or tuition, continue to make the payments to yourself! Set up a savings account and each month slip the ghost payment into it. Watch as it builds nicely.


Keep putting away money for the rainy day