I heard on the radio today that Americans were finally saving again after years of racking up debt. Saving takes discipline but anyone can do it by paying yourself first. A simple three step system works for me. 1. Add up all my bills for the month 2. Deduct that from what I make for the month 2. Deduct my spending money for the month and then deposit the remainder in my savings account. You can also do this on a weekly basis. Don’t write checks for anything but bills and live on your allocated spending money. This sounds so easy to do but it isn’t.

If your an avid credit card user or even a habitual debit card user, consider getting rid of them fast. If you don’t cut them up, muster the discipline you need to only bring them out in a dire emergency. Racking interest charges will amass before you know what hit you. My three step system will eventually bring my finances under control but it is only half of the solution. We would all like to earn more cash to save as we go. Lets say we are already putting 10% in the bank. That 10% is all we can muster. How do we save even more? The way we do that is by taking advantage of discounts. If you can save 10% on many of the purchases you make you will have saved 10% more than you would have been had you not cashed the discount. Use this method for making up for non-budgeted items. Think about it, if you had to spend an additional $50 this week, find some discounts on things you were going to buy anyway and put it back. You will not be going back to your savings account like you used to do when you got a little strapped for cash.

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!

Let me show you how this works. My girlfriend wanted to go out for dinner. I cranked up my computer logged into MyWorldPlus and found an entree for $1.00 when I purchased one entree at regular price. I am all about going out to eat, but I am more about saving. What would have been $24.00 was suddenly $13.00. How many times do you eat out in a single month? If one was to use my example here and eat out twice, you would have pocketed $2.00 after you paid your membership to MyWorldPlus. One might say it isn’t worth all the trouble. But wait. Add it all up. 50% off on an oil change, 10% off at Wendy’s or Dairy Queen, get your haircut 20% off. Do the math and you will see. It adds up and the discounts are numerous. MyWorldplus as a company is stable. They have been on the web since 2007 and they are not going anywhere. Take a few minutes on a free tour. It will not cost you a dime.

Growing up as a kid, people used to say he or she is loaded, but look at them, they don’t even look like they have a cent to their name. I realized that the reason was, was that they were savers instead of spenders. You may find me at myworldrocks