A Few Ways to Save on Small Expenses

In this short paper I will talk about ways you can cut down on small expenses. Also I will give some of my personal experiences with money.

A few ways you can cut down on small expenses are;

• Budgeting
  I don't necessarily have a budget but I do put the money that I earn in different envelopes; spending, saving and tithing. This works really well for me. I put 60 to 70% of the money I earn in savings, 10% in tithing and the rest goes to spending.
• Carry less money on your person.
  This doesn't really help for those who only carry debit cards with them but for those who carry cash, like myself, this will limit the amount you can spend. Now if you're going out to buy a specific list of items, then you'll need enough cash for the things you're buying. But if your just in a store looking around, not suggesting you do this, but if you do, then don't carry as much with you. Not too long ago whenever I carried cash I felt like I had to spend it. But now I always carry a little bit of cash with me,without feeling like I have to spend it.
• Think about it before you buy.
  Even for just an iced tea at a gas station you should think about what you're buying. Think about if you really need this product or you just saw it and it was on sale, so you bought it. This “rule” is also for big items. One time I saw a really cool canvas picture that I really wanted. It was $40 and I didn't have enough money to buy it right then. My mom reminded me that my birthday was coming up so I waited. The day I received the money I went to buy the picture. I brought it home put it on the wall and boy did it look great! The next morning though I realized that I didn't really need it. Lucky for me I had saved the receipt and I brought the picture back. With that money I bought something that I needed a lot more than that picture. So think about it before you buy.

Thank you for reading this and I hope that this paper told you something about saving on small expenses.