|it adds up|
I am thinking of separating her money into saving and spending so she can make larger purchases. I have began withdrawing cash from the bank for in store purchases so that the quarters I get back can go into the laundry fund.
It is a regular habit to scan my receipts. Cash back apps require the receipt as proof that the items you are redeeming for has been purchased. While I recently made a withdraw when the cash back amount reached the minimum I will be leaving the amount now until October or November to utilize it for online shopping for the holiday. That is if I do not waiver and decide to pay on the credit accounts that I have open.
January of 2016 will begin the process of using the cash back from purchases toward paying for credit account balances to pay them off faster. Actually I will be using that amount for purchases instead of my bank account and spending the equivalent from the bank to pay extra on these accounts.
What methods are you employing to save money and pay down debts? Do you have a set goal or is the idea simply to remain above water while you find your comfort zone?