Mind Over Money

Great article! Thank you for the tips. I'm getting a lot better at money management, and definitely have the new mindset of no credit/loans, just saving and buying in cash.

My family doesn't use any budget because our 'mindset' is our budget. How common is for a family to make a cash purchase of a new home priced at 595k? My family did. This took place because of our relentless savings. E. T. Ande - author of - How I Became a Millionaire Bushman is available at CreateSpace.com/3345042 and Amazon.com

We don't like to keep our mortgages for a long time, we pay them off because we are allergic to home foreclosures. Paying off your home mortgage is a liberating experience and that's what propelled us into saving more than four hundred thousand dollars in seven years. E. T. Ande - author of - How I Became a Millionaire Bushman is available at CreateSpace.com/3345042 and Amazon.com

Every year, I make more than three thousand three hundred dollars from credit cards all legally and ethically and without paying a single penny in interest. So credit cards are not bad to have if you know how to use them. E. T. Ande - author of - How I Became a Millionaire Bushman is available at CreateSpace.com/3345042 and Amazon.com

Changing your withholding on your tax could lead to more problems (more than what you might gain in interest by not giving your money to the government in advance). 1. You may have to come up with a large sum of money when filing your tax return. 2. If you paid more than 500 dollars for two years in a row, the IRS would penalize you. The IRS wants you to pay your estimated taxes every quarter. E. T. Ande - author of - How I Became a Millionaire Bushman - available at CreateSpace.com/33

Whenever I pay a bill or make a purchase from my checking account, I round the amount up to the next dollar. Once it gets to be a substantial amount (it adds up quicker than you think), I take the overage and put it in an interest bearing account. It also acts as my own, personal overdraft protection.

I read your article "10 Ways to Stash Cash". I already use most of the suggestions. But you left off my absolute favorite way of saving money. Before I order anything online, I go to dynamicshops.com to see if there is a link. Almost all the major stores are listed there. If I use the link, I receive cash back for my purchase. What a fun way to save money!

The best advice I ever got about money was this: "Debt is bondage."

There are a ton of budget Excel spreadsheets available online. It really helped us, as newlyweds!

Ending a long week might end with a nice glass of wine, my husband and I work close to 14-16 hours a week. So we want to remember just how hard we worked also and save some of that $$. So, we decided if we bought a nice bottle of wine for $30 we better have another $15 to put into our vacation jar or if we went out to dinner - dinner costing $60 and then we put $30 in the It was nice to have a "nice" bottle of wine for ourselves or company, but a nice nest-egg to enjoy time off.