Making the decision that you have found the person you want to spend the rest of your life with can be exciting and scary all at the same time. You start to think about all the ways your life will change, big and small, now and in the future, and it can feel overwhelming. However, knowing that you found someone who makes you so happy you are considering going through all these transitions together can be such a great feeling. The first step you will probably take is saving up enough money to buy that perfect ring at Zales. She deserves the best and you know that with a little hard work and frugalness you can give it to her. The first immediate change that will happen in your life, is that you will have to be more aware of how you and spending your money, and most likely cut down on the amount you are spending. I have had many occasions where I needed to save up money for something in the past and have learned a few ways to make your dollar go farther.
Make a Budget
This may sound like a no brainer, but the first step you should take is to make a budget. Making a budget usually starts with examining how your money has been spent over the last year. If you have a credit card, it can be as easy as looking at your yearly report. Oftentimes, banks will break down your spending into different categories so you can very clearly see how much money you spent on groceries versus clothing. Going through and determining where you can cut costs will allow you to start being more away when you spend your money, and can help you figure out which types of items you need to create a stricter budget for. Once you have your budget, you can begin tracking costs in a more real-time way so you know exactly how much money you have left to spend on certain types of items.
Save Your Change
So many people tend to be careless with their change, letting it fall behind seat cushions and between cracks in their cars. If you are trying to save up as much money as possible, you should really consider starting a change jar. You would not believe how fast something like that can add up. If there is a Coinstar near you, it is easy to dump all your change in and let the machine do the work. They will take a small percentage from you, but it might be worth it depending on how much change you have. The other option is to get paper rolls to roll the change yourself and exchange it at a local bank.
Do it Yourself
This can mindset can be applied to so many different part of your life that may help you save money. The number one thing I see people pointlessly spending money on is water and coffee or tea. If you get yourself a reusable water bottle, and a great thermos, you can make your own brew at home and fill your water bottle wherever possible. You would be shocked at how much money you might be able to save that way.