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Money and Finances
Reply to "Spinoff: How do you live below your means?"
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[quote=Anonymous]- Max out retirement 401k - Max out tax-advantaged accounts like 529 and Roth IRA - Buy most basic items, food from costco - Don't go shopping as an outing - Don't go out to eat unless it is a special occasion or a social outing with friends - Wait a day before I buy something online - Don't have Amazon Prime - Plan out my purchases such as travel, home improvement, clothes I want to buy for next season, things the kids need, Christmas shopping. Decide what I want to buy and how much I am willing to spend ahead of time - When I am out shopping, like at Target, I quickly mentally add up how much the items are in my cart before I get to the cash register. This makes me much more likely to discard something I was going to buy on an impulse that I didn't need. This sounds a little bit Spartan as I write it but it's basically habit/instinct at this point, and allows us to have other things we want, like travel or paying our cars in cash.[/quote]
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