tag:blogger.com,1999:blog-4620829963842569724.post1099623445186338429..comments2020-01-16T06:11:35.308-06:00Comments on I'll never stop talking about personal finance: The New Normaldinarikhttp://www.blogger.com/profile/11318616380006983183noreply@blogger.comBlogger3125tag:blogger.com,1999:blog-4620829963842569724.post-64870577585652653792013-04-24T16:12:57.121-06:002013-04-24T16:12:57.121-06:00I totally do the same -- transfer money at the beg...I totally do the same -- transfer money at the beginning of the month to my savings account. It feels harder to take it out from there. :)dinarikhttps://www.blogger.com/profile/11318616380006983183noreply@blogger.comtag:blogger.com,1999:blog-4620829963842569724.post-9072121139434888032013-04-12T03:16:48.602-06:002013-04-12T03:16:48.602-06:00When I first got a real job after living off of a ...When I first got a real job after living off of a $700/month stipend in DC, I told myself I wasn't going to change my spending habits. If I had lived off of that little before, there wasn't any reason why I couldn't keep doing it, and put the rest of my entry-level salary in savings. Alas, it did not quite work out that way. Part of it is because, yes, your spending will expand to fit your income. But part of it too is that sometimes a really frugal lifestyle isn't really one worth living.<br /><br />I don't know if you were talking about THAT kind of saving. Where you walk a mile home in the dark at night because you literally don't have $10 in your pocket to cough up for a cab. Or you don't get lunch unless your internship has an event with food at it. But there is definitely a happy medium. I think it's important to choose a few core values and really invest time and money in them. If it's looking nice, then by all means, do the make-up and clothes thing. For me right now, it's cooking. It is actually cheaper to eat out here than to cook (here, being Ghana) because basic ingredients for most meals can be pretty pricey. I've begun investing the money anyways, because I want to learn how to cook. I've pegged that as a priority right now.<br /><br />But on the whole, I agree with you. When possible, it's good to remain frugal so that when you do find something worth spending on, it feels like a treat, as opposed to feeling deprived if you can't have something. Keep your expectations low, and you will always be pleasantly surprised!Anonymoushttps://www.blogger.com/profile/10957475755974421590noreply@blogger.comtag:blogger.com,1999:blog-4620829963842569724.post-58802265621790027732013-04-12T00:10:46.831-06:002013-04-12T00:10:46.831-06:00Awesome! Yeah, I really just see it as if you have...Awesome! Yeah, I really just see it as if you have it in your checking account, you will spend it. I transfer a portion of my paycheck into my savings every month where I know I will not use it unless there is something special/big I need to dive into it for... like a downpayment on a apartment, new car, etc!christinaooihttps://www.blogger.com/profile/01651647627614180006noreply@blogger.com