Winter Coat Savings

Although I like to pretend that winter will never come, the cold weather makes it hard for me to deny. I finally dug out my heavy coat, and all the other winter gear, preparing myself for the cold that always comes too soon. As I threw my coat on, I shoved my hands in my pockets, and to my surprise found $20! With gas as low as it is (for the moment), that was practically like finding a free tank in my pocket! And thank goodness, because I’m running a little short before payday, and was looking at having to do some “creative accounting,” with my Christmas savings accounts. Now I don’t really have to!

You don’t have to wait for the seasons to change to start your “winter coat savings.” When you get paid, pull a little out of the check in cash (even if it’s only 5 or 10 bucks), and then stash it somewhere safe. Do what you can to forget about it (like the money I found in my pocket & didn’t even know I had). Next paycheck, do the same thing. If you get a raise, or a bonus, I suggest taking half of it out in cash and putting it in your “secret savings.”

With this technique, you may find that your winter coat does more than just keep you warm this year.