Tuesday, January 2, 2018

Greetings Thrifty Friends,

Welcome to a new year. Have you made any new year resolutions? I know it may sound trite or even hackneyed, but a new year resolution may just be the gentle nudge or kick in the pants you need to start a whole new saving regimen.

Remember; you don't get rid of bad habits, you only replace them with good ones.

Keep pinchin' those pennies,
Penny

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TODAY'S THRIFTY TIP:

A resolution to save can be a simple as putting a change jar on your countertop (one of my favorite methods for socking away a few extra hundred) or cutting out your morning stop at the coffee shop a couple days a week.

Other useful resolutions include creating a budget (if you are not in the habit of doing it monthly) or writing down every dollar you spend in a month. That is a real eye-opener if you have never done it before.

Keep your resolution realistic and you won't feel discouraged right off the bat. The important part is to decide on something and get started. The first step is the hardest and you will be surprised at what you can accomplish with just a little bit of discipline.