One of the ‘not such a secret’ ways to saving money is first not spending it. The second half is actually taking the money you are not spending and putting it in an account someplace so that you aren’t just substituting ‘not spending’ on xxx for ‘spending on’ y. But some things are hard to give up, especially if you are in a married situation (with or without kids) and both halves of the couple are working full time outside the living unit. Life gets busy and then it gets really really easy to just call up the other person at 4:45 p.m. and say, “I forgot to take anything out; let’s go to …..” (more…)
