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- Aug 16, 2004
For people who can't responsibly save money on their own
Pretty sure that would be the majority of users on this board given the demographic.
I grew up poor, mom dukes did what she could with what she had; literally wasn't nothing left over to save. When I hit my first job in high school I went wild spending to compensate for what I didn't have.
What I do is take 3% and have it direct deposited to a savings that's absolutely off limits. For my other savings, I try to match my frivolous purchases. If I spend $60 on kicks, I need to deposit the same amount. This also helps me avoid impulse buying just cause I got extra con to part with.
I like the idea of the challenge but I think it's more beneficial to chart/record every purchase for a few weeks. You'd be surprised at how much you blow on bs that you didn't need.
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