The Envelope System Saves $$$ The key component to Dave Ramsey’s, “Total Money Makeover” is the envelope system. What is the envelope system, you ask? Well, according to Ramsey, its “way to handle money still works. People used to always use cash envelopes to control their monthly spending, but very few do in today’s card swiping culture”. I will say that it works and the comments to post prove it. Check out Ramsey’s simple basics for starting a cash envelope system.
saving your $5 bills throughout the year, i like this idea :) the five-dollar savings plan. It goes like this: Every time you find yourself with a five-dollar bill in your possession, you set it aside instead of spending it. At the end of the year, you use the money you've saved for either a big purchase or to do something you wouldn't normally spend the money to do. Interesting!
365 Day Saving Money Challenge - Variation on the 52 week challenge. Instead of saving big amounts every week, you save pennies every day for a total of $667.95 by the end of the year. Perfect for this who can't make he financial commitment of the 52 week challenge