Anyone can Save Money

[pennypinch]

I am always complaining about not being able to save money but the truth is, all of us can save money if we really try to.

One of my biggest pitfalls to saving money is the fact that I smoke. It's a really stupid thing and i wish i had never started but I do and I am not quitting yet! I'm a sissy I know lol. I smoke almost a pack per day. That equals out to about $1,600.00 a year! That is insane! I really do need to quit.

Something else that I have noticed that people do is that they live and spend by their income. In example... say a persons salary is $50,000 a year. They think well I make $50,000 a year so I can afford that. In reality they don't NET $50,000 a year. By the time taxes and all of that comes out it is a great deal lower than that. Thats how they find themselves without a savings and a load of debt.

We all just need to cut back on the unnecessary items and use our brains. We would all be better off financially. Easier said than done though.