delay gratification
One of the keys to saving money is cultivating the ability to delay gratification. Unfortunately, that’s easier said than done for many of us. Putting off pleasure today in anticipation of tomorrow’s needs doesn’t come naturally to many people. However, there are ways to overcome your natural inclinations and develop more thoughtful spending habits. Here are a few you should try.

1. Have a clear vision of yourself in the future. It’s much easier to want to take care of future you if you have a picture in your head of what you’ll be doing in 5, 10, 15 years and beyond as well as a firm plan for getting there.

Knowing what you want and how you’ll get it makes the reasons for resisting temptation seem much more clear and real than having just vague ideas.
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paying at the cash registerWe all have to eat, but we don’t always have to pay the sticker price. Walmart and Target allow consumers to price match from competing stores and online markets, and these retailers can afford it because few are taking advantage from such a discount. Price matching can be a little overwhelming and complicated, but with a few helpful tips, you’ll be able to get the best price when it comes to grocery shopping.

#1: Plan Ahead!

Get in the habit of making a grocery list in order to make the most use of price matching. After making a run through your fridge and pantry, compile a two-column list of needs and wants. Once you have your list, compare it with the weekly ads in your junk mail (yes, even junk mail has its benefits). Then circle every item in those ads with the items on your list with a marker. If you have kids, get them involved and treat the circling task like a fun picture word-search. My kids get a kick out of it, and I’m sure yours will too.
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fit gentleman
I’ve spent a lot time thinking about my financial situation the past few weeks. Part of that has to do with my newer, bigger tax bill as a result of my recent divorce, as well as the medical bills resulting from breaking my wrist a few weeks ago.

I’m fortunate that I have resources and options to help with these expenses, and I’ve thought about what would have happened if my financial fitness had been different, or if I had a long line of disappointing financial situations.

For Financial Literacy Month, CO-OP Financial Services released a quiz that can help you get a basic idea of where you stand when it comes to financial fitness:
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wallet of credit cards
Since you’re reading MoneyNing.com, I’ll assume you’d rather receive interest than pay interest. You’ll like this post.

I’m 26 and I’ve never paid a dime in credit card interest. Not paying interest is obviously ideal since I’m not spending money just for the privilege of borrowing money. But going further, this also means that I don’t need to be overly concerned with the interest rate when I shop for credit cards. Since I won’t be paying it, it’s a moot point.

Whether you’ve paid interest before or not – this post will tell you how to keep from ever having to do it again. Let’s get going.
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buying a homeFor most Americans, the dream is to ultimately own a home. Purchasing property is a right of passage of sorts. It’s a big step into adulthood and probably one of the biggest purchases you’ll make in your life. That’s all the more reason why you should thoroughly do your research and ask plenty of questions before you take this big step.

Before making a formal offer, it’s crucial to ask all the possible questions you can. Purchasing a home is a big investment and you don’t want to see your investment tank after you’ve already put your life savings into it. If you’re planning on buying a house, take a look at these 4 questions you need to ask:

How Long Has This Property Been on the Market?

You’ve found the perfect home and you want to put in a offer as soon as possible. But not so fast. How long has this property been on the market? This is a question you should always ask the sales agent. While this can be dependent on the housing market in your location in general, a home that has been on a market for months can indicate that something is undesirable about the property.
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twins
My toddler twins turn three this month and we’re awestruck at how big and beautiful they’re becoming. When we found out a few years ago that we will have not one, but two infants to handle, my wife was thrilled and I was left in shock. Questions starting steamrolling through my mind. Could I afford to feed two mouths? Will we need to move? Can I support my growing family? After three years of hits and misses, I’ve found a few tips that have certainly helped.

Don’t Always Buy Double Everything

People ask us all the time if we buy two of everything, and you’d be surprised how often we tell people the opposite. It is true that some of their toys and clothes are the same, but quite often we’ll purposefully purchase one item to lighten the load on our wallet and to teach them an opportunity to share.

Research Those Toys Before Buying

I can’t tell you how many dollars we threw away over a toy that broke just a few days later. Our Christmas presents to them have already seen the bottom of the trash can. This gloomy end was partly my fault for not researching the toy. It’s important to check out the reviews to make sure you’re getting an item that is consumer friendly and not a consumer nightmare. Because our twins love to play, we’ve also found it helpful to visit the local thrift store to drop off our rejected toys, and buy a few more at a great price.
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