We’re told that we should be tucking away a portion of our income every month. The percentage varies from financial guru to financial guru, but they all say that we should be looking ahead and doing what we can to plan for those unexpected contingencies. If we have something in savings, we can rest more easily. I agree with that. I think saving is a fantastic idea, and I know that I’ve had more peace of mind when I’ve had a little in reserve.
But there are times when there is simply no way to find money to save. As with every couple, my husband and I have had our financial ups and downs, and at the beginning of our marriage, we had nothing. In fact, we were at minus nothing. We spent a period of time on church welfare, dependent on others for our meals, because as hard as we worked, we were unable to meet our rent. This was a very embarrassing time for us, one we’re so glad is behind us. (At least, we hope it’s behind us … you never know what the future holds.) But with a new baby, the need to buy diapers, having to put gas in the car to get to work – there was not a single penny to tuck away in savings. Sadly, this is becoming the plight of more and more of us in these tough economic times.
What can you do when it’s absolutely impossible to tuck away money? Here are some thoughts.
1. You might not be able to put away a lot, but even saving a few nickels and dimes can make a difference down the road. See if you can spare just a bit of pocket change.
2. Saving actual money might not be feasible, but perhaps you could save a good. Can you tuck away a can of green beans? Having something in reserve – anything – can bless you down the road.
3. Keep in mind an attitude of saving. Sometimes when we’ve gone so long without surplus, we get out of the habit, and when additional funds do come our way, it’s hard to remember to add to our savings. Be mindful of this goal at all times and be looking for opportunities.
As we stay focused on bettering our overall financial status, we will find ways to make it work, even if we have to put our savings on hold for a while. Keep those good intentions, and when things level out, you can put them to use.
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Saving Money with the Dollar Sign
How to Bless Others with Your Frugalness