Tricks and Tips
I've been an odd mixture of saving well and spending stupid most of my life. Things I have learned along the way. Always make a monthly budget. When you do so you will be amazed at how much money you waste. Have pre-tax investments like workplace 401K's. Pay yourself first! I opened an online only bank account. I cannot access money in that account through a brick and mortar branch. When they sent me my debit card, I cut it up. I can access the money by transferring it to another account but it takes 3-5 business days. Usually whatever stupid thing I was wanting to buy is out of mind by then. I'm also the guy you are behind in line that is still paying in cash. Why you ask? I've found that using a card to pay for everything separates my brain from my money. If I put $50 in my pocket on Monday and that is my coffee/junk food/ munchies fund for seven days I will not spend as much than if I'm using a card or apple pay. Understand what your wants are and what your needs are.