|
Oh, with the Costco, it is paid for so use it while you have it, but when it comes time to renew you might want to do some mental math on whether it is paying for itself (and if it is, great).
Lani and I thought ours was but we then found that with a little bit of effort we could match prices on most things elsewhere and that frequently we bought something in bulk that never got used completely (getting twice as much for 150% the cost is not a savings if you only use 70% of it). While other items do eventually get used but end up being annual or semi-annual purchases so saving $5 on the big jug of Tide doesn't necessarily go far towards recouping the $100 (or whatever it is, I've never been the one that pays it) for membership.
If you want to start saving a bit, open a separate savings account that is not associated with your current accounts (maybe even at a different bank) and have a portion of your pay directly deposited there. Most larger employers should be able to handle split direct deposits and as was said above it is much easier to not spend money you never see. Be sure to put the ATM card they send you in a drawer somewhere safe and forget about it. Freezing your credit cards may be a big extreme but if you have low impulse control in using them, definitely take them out of your wallet and put them somewhere you'll have to think about before using them.
|