Here are some things I’ve done to help change my spending habits:

- Cooking more at home ? Eating out is very expensive especially if you do it a couple times a week
- Shopping online ? You can find better deals than in the store and you save on gas (I recommend http://www.shoptivity.com)
- Paying the full balance on credit cards each month ? Interest charge is like giving away free money
- Don’t forget to pay yourself ? Set up an online savings account (they pay higher interest than a normal savings account)
- Setting a budget and goals ? It’s good to have your goals written down so you see them everyday and don’t lose focus on your ultimate objectives

Again, saving money requires a lot of patience and hard work. However, you’ll thank yourself later on in life. Good luck everyone!! =)

oh, and for the tanning, a high percentage of health care professionals believe that artifical UV rays can cause skin cancer…..there’s always the sun

Stop Gambling – It is foolish for any one to gamble because the house always wins. The odds are always stacked against the player by those who own the game. Luck never favours the player and even if the player win once there is always the temptation to play again and thereby lose everything.

Kill the habits – last April the government increased the taxes on cigarettes and alcohols. Not only is cigarette and alcohol expensive but it is deadly to your lungs and liver.

Saving account – Put your saved money in a high interest savings account. Banks such as kaupthing Edge offer saving rate of over 6.50%

Why are you giving non-specific advice about tanning? People need vitamin D, which is stimulated by exposure to sunlight. Cases of rickets are increasing, apparently because people are taking the “no tanning” advice literally.