Last week a radio personality stated that Americans were showing a trend in saving again after years and years of taking on personal debt. With a little hard work, you can start saving by first paying yourself. A three step system works best for me. 1. Add your monthly bills 2. Then, deduct that sum from your take home pay. 3. Deduct your living expenses, ie. spending money and place the remainder in savings account. This system also works if your paid monthly, just do the same thing for the whole month. Do not use checks. Instead, live off of your spending money. This system is explained as easy as 123 but I can tell you it is hard to stick to.

If you love to use your credit card or maybe even your debit card every day, cut them up now or make a deal with yourself not to use them except in an emergency. Interest from credit cards will add to your debt faster than you will realize. My three pronged approach is only half my battle. I also like to earn as much cash as I can. A realized 10% savings every month is an awesome start to any savings program. Now, imagine saving 10% or 20% or even 50% on the things you were going to buy anyway. What if you could get 50% off of your total dinner bill with a buy one get one free deal. Not just once but every time you went out. Taking advantage of discounts will stretch your dollar even further. It will allow you to stay out of your savings account if you overspend. What I am trying to say is, close the gap when you overspend by making it up in discounts.

Unfortunately, I had a tough time finding quality discounts in my local area. So, I searched the internet and found an excellent source of discounts and coupons. I joined a program called MyWorldPLUS to maximize my savings using member discounts and coupons. The second reason for joining the program is to create long term residual income to put even more money in my savings account. For $20.00 a month and By joining MyWorldPLUS, I earn between 1% and 20% CASH BACK on all purchases made at over 600 BRAND NAME Online Stores with Special Offers EVERY DAY! you will have FULL ACCESS to THOUSANDS OF DOLLARS worth of everyday savings and discounts at over 175,000 stores WORLDWIDE!

My girl and I were going to go out so I turned on my computer and found a great deal. If I purchased an entree, I would get a second entree for $1.00. She loves to eat but she loves to save a whole lot more. My entree was $1.00 after buying her entree for $12.00. I bet you eat out more than one time in a single month. Using my example, if you go out two times, you will have saved $22.00. Your MyWorldPlus membership has already paid for itself and you pocketed the remaining cash. Cash you would have given to the restaurant anyway. If you think it isn’t worth all this logging in and printing coupons, think again. Get a calculator and add it all up. 50% off on a local oil change at a national chain, 10% off on your total grocery bill, get a haircut for 10% less, it just keeps racking up. MyWorldPlus has been on the internet since 2007. They are here to stay. It will be worth your while to take a free tour and learn more about this system. I am glad I did. Take a tour here.

Have your ever noticed that some of the wealthiest people you had ever heard of didn’t LOOK like they had two nickles to rub together? I am pretty sure it is becasue they were savers. visit me at myworldrocks