Spend less than what you make.

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Spend less than you make and...

"Oh😲, I have left-over money😁!"

What a concept!


The capacity to have extra money left over at the end of the month is the best indicator of financial success and freedom.

You cannot pay off debt, make future investments, or save money for your big financial goals if you don't have it.

You can prevent credit card debt, monthly payments, and overall financial stress when you have money in your bank account (like an emergency fund).

Additionally, it's much simpler to get on the same financial page when you're not juggling expenses and living paycheck to paycheck.

Overall, saving money offers several solutions to issues.


Tracking your expenditure is a crucial habit and metric if you want to reduce your long-term spending and have more money at the end of the month.

Examine your transactions over the past week to see how much money has come in and how much has left.

Don't stress on difficult categorization. Simply track your spending for 5 minutes each week in either your savings or checking account or by utilizing a budgeting software.


Spend less than what you make.

😍#ilikeitalot!😍


Gold and Silver Stacking is not for everyone.
Do your own research!

If you want to learn more, we are here at the Silver Gold Stackers Community. Come join us!


Best Regards,

@silversaver888

I am not a financial adviser. This article is not meant to be financial advice. My articles on cryptos and precious metals share my personal opinion, experiences, and general information on cryptos and precious metals.
All photos, gif, and video were taken by me with my iPhone, unless specified.

Thank you for stopping by to view this article.

I hope to see you again soon!

Hugs and Kisses 🥰🌺🤙!!!!



I post an article daily. I feature precious metals every other day, and on other days I post article of general interest. Follow me in my journey to save in silver and gold.

@silversaver888

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74 comments
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I was brought up this way. Worked out ok for me. I still have a hard time spending a lot!

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I grew up spoiled and without a care! But that changed after watching YouTube videos of stackers! I'm glad I believed them, especially the "You can't stack if you have revolving debt".
!PIZZA

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Sound advice to all who earn, a small fund stashed away for a rainy day always helps. Avoid debt wherever possible, it is a noose around ones neck!

!LUV
!WINEX

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This debt-credit system has gotten many, many people into trouble, that's for sure!
!LUV
!WINE

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Too many take from Peter to pay Paul ending up in financial woes in no time at all.

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... and who should they take from after Peter?
Materialism... the cause of a lot of woes.
Live simply!!!
!LADY 😍🌺🤙

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Live simply, save for holidays 😇 has been my motto. See something of this beautiful world!
!WINEX is a treat at days end, thanks for the token.

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pixresteemer_incognito_angel_mini.png
Bang, I did it again... I just rehived your post!
Week 132 of my contest just started...you can now check the winners of the previous week!
!PIZZA
8

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Living within your means is the best way to stay out of debt. This can be hard but a necessary thing to do...

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Especially now that we are in recession, it is important that we live within our means, and better yet, below our means, so that we have money leftover!!!
!invest_vote

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I think using a budget app is a good idea. But it's difficult to choose one. There's many choices not sure which one is best !

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Additionally, it's much simpler to get on the same financial page when you're not juggling expenses and living paycheck to paycheck.

Many people live paycheck to paycheck. At least in my country (in Hungary). They do not have any other choice. Most of them have an income under the local minimum wage. Many of them have to choose between paying rent/bills, and buying food. I also experienced this a few years ago. I seen and I was in deep poverty. I am still in poverty, but not in deep, and nowadays I do not have to pay rent. This makes life somewhat easier. But my income is still very low, and most foods are very expensive nowadays.

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Delicious foods don't have to be expensive. It is a challenge, but if one is serious about living a decent life, learning to be creative in cooking is a must, which is a life skill for women as well as men.
!invest_vote

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Saving is a habit that gives great benefits to those who have it. And investment is the second leg to have a peaceful future.
!ALIVE

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Ms. Saver @silversaver888
Hanging out in Newport........ I am very familiar

!LUV

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The best advice ever and the most underrated one at the same time.

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Saving habit is key to healthy financial state

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It's a habit. And you need to develop the habit of saving. Saving a dollar per paycheck is better than none at all.
!inest_vote

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I still saw this quote while feeding my eyes with knowledge on Quora “it is not about how much money you make, but how you save it”

We would always have leftovers to solve our debts, set financial goals etc when we spend less than we make.

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After getting all my Financial 'ducks-in-a-row' I know that I have a certain amount of wiggle room to work with. I can still buy one or two silver coins a month, more if I comfortably scrimp on some non-essentials. I got at least a Ball park figure on my Home reno cost with more than my half my reno costs can be deducted off my rental income.
My Emergency reserve fund did it's job.
And that's $12k less debt on my hands.
I will build it back up.
Bottom line, I'm not cashing any of my Crypto or PM holdings by far.

Always, with love 🤗🌺❤️

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Sis, you are very prudent with your finances! And I admire you for it. 🤗
You will undoubtedly quickly replenish your emergency fund.
!PIZZA
!LUV
!LADY

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Ms. Saver @silversaver888
Stacking at the Coin Show...........

!LOL

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It's a very tough lesson @silversaver888 ,!!!
Many people starting out in life pull out the old plastic credit card, and soon they are deep in debt spending more than what they make.....

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It is a tough lesson, @silvertop.
I remember years ago when I decided to be debt-free. It meant not buying anything at all using cards... that was my bags, shoes, and clothes of all sorts!. It meant not shopping at all! I kid you not, I did not shop for two years!!!
Yes, you can easily find yourself drowning in debt!
Luckily for me, I came to my senses early enough... because I wanted to stack, hehehe.
!PIMP

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We did the same thing when we were first married @silversaver888 !😔
Sounds like you and Liz and myself were some of the lucky ones! Many people never dig them self out and never invest....
They live paycheck to paycheck so sad......

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Spend less & invest. Right now I believe precious metals are one of the best investment available especially with the coming digital future

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I am curious, @bitcoinman. May I ask the question: What made you decide to stack aggressively?

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I realized that the future is going to be fully tracked and digital, precious metals are going to fill a huge gap and demand is at an all time high already with a lot of accumulation from the biggest players like banks and governmental

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It's so easy in today's world, to spend more than you make and that's where those credit card companies will get you! Wise advice, sis! Much love!🤗😘💞🌸 !LADY

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First and foremost, my blog is dedicated to my stacking journey, sis. Part of that journey is the very start of it... when I believed the stacking elders who say that you have to be debt-free before you stack —and the lessons I learned in the process. I want to share that here.
Much love sis🤗
!LADY 😍🌺🤙

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