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onedollarbillsAre you living paycheck to paycheck?  Do you find it impossible to save any money for a rainy day?  If you answered yes to either question, the dollar savings plan is for you.  This plan isn’t new, but its very simple and sure to help you save money here and there, and before you know it you will have saved more than you thought you could.

The prerequisite for the plan is that you actually make some purchases with cash; if you only use credit cards then you will not be able to implement the plan.  All of your purchases do not have to be made in cash, but the more purchases you make in cash, the more effective the plan will be.

The Dollar Savings Plan Details

Start by opening your wallet and taking out all of your $1 bills, leaving all $5, $10, $20, $50, and $100 bills in your wallet.  Put the $1 bills in away in a safe place.

During each day, whenever you make a cash purchase and receive change put away any $1 bills you recieve.  For example, if you purchase a $1.50 cup of coffee with a $5 bill you will receive $3.50 back in change.  Put the 3 $1 bills away and do not spend them, and keep the $.50 in your pocket.

At the end of every day, put away all of the $1 bills you have accumulated during the day.  The Dollar Savings Plan is simple, and the key is never letting yourself spend $1 bills.  If your excuse is that you cannot afford to put away $3 after buying a cup of coffee, then maybe you should not be purchasing the coffee in the first place.

At the end of the month count all of the $1 bills you have accumulated to see how much you’ve saved!



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