Week
6
Hello
All,
I
have
been
every
spender
in
our
lecture.
Learning
how
to
save
can
be
a
gradual
process.
I
have
taken
steps
to
be
financially
responsible,
such
as
contributing
to
my
401
and
401roth
retirement
accounts
and
allocating
5%
of
each
paycheck
to
an
online
checking
account
for
emergencies.
Additionally,
I
have
paid
off
my
house
in
full.
While
I
enjoy
spoiling
my
grandchildren,
I
am
also
mindful
of
my
financial
needs.
To
balance
these
priorities,
I
have
created
a
budget
that
includes
a
certain
amount
for
spoiling
my
grandchildren
while
ensuring
that
I
save
enough
for
my
future.
This
way,
I
can
enjoy
the
best
of
both
worlds.
I
have
saved
$260
a
month
by
changing
my
habits.
You
can
start
with
one
change
at
a
time
to
ease
into
your
change.
You
can
save
money
on
your
energy
bills
by
turning
off
lights
and
electronics
when
you’re
not
using
them,
using
energy-
efficient
light
bulbs,
and
adjusting
your
thermostat.
Eating
out
can
be
expensive,
so
try
cooking
at
home
more
often.
You
can
save
money
by
packing
your
lunch
for
work
instead
of
eating
out.
Look
at
your
monthly
subscriptions
and
cancel
any
you're
not
using.
This
can
help
you
save
money
and
reduce
clutter
in
your
life.
Look
for
free
activities
in
your
community,
such
as
concerts,
festivals,
and
outdoor
events.
