If you are having trouble saving money, I have found that playing a pay yourself game works wonderfully and it's easy to implement. Basically, you pick something that you do around the house and charge yourself every time you do it. Turn on the TV, pay $1.00. Do the laundry, Pay $1.00. Open the refrigerator, pay $1.00. Each week take the money collected and place it into a separate savings account. It's amazing how fast the savings can add up.
It's also an effective way to keep you from being lazy. If you feel you are watching too much TV, charging yourself to do it will help discourage you from doing it so much. Give it a try and I think you may be surprised at how effective this baby step can be.
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