{"id":70659,"date":"2022-06-30T16:33:00","date_gmt":"2022-06-30T20:33:00","guid":{"rendered":"https:\/\/www.shortform.com\/blog\/?p=70659"},"modified":"2022-07-06T09:44:34","modified_gmt":"2022-07-06T13:44:34","slug":"how-to-live-within-your-means","status":"publish","type":"post","link":"https:\/\/www.shortform.com\/blog\/how-to-live-within-your-means\/","title":{"rendered":"How to Live Within Your Means: 6 Tips for Saving"},"content":{"rendered":"\n

Do you spend more than you make<\/a>? How much credit card debt<\/a> do you carry? Do you have an emergency fund?<\/p>\n\n\n\n

A great way to save money is to live within your means<\/a>. David Chilton, the author of The Wealthy Barber<\/em>, says that living within your means doesn\u2019t have to mean careful budgeting. If you implement big-picture financial planning, day-to-day spending choices like whether you buy coffee or order take-out don\u2019t matter too much.<\/p>\n\n\n\n

Keep reading for advice on how to live within your means.<\/p>\n\n\n\n\n\n\n\n

Living Within Your Means<\/strong><\/h2>\n\n\n\n

While Chilton says that you don\u2019t have to pay attention to every cent, there are some steps you can take to help you live within your means. Here’s his advice on how to live within your means.<\/p>\n\n\n\n

Tip #1: Save Up to Buy Big-Ticket Items<\/h3>\n\n\n\n

Don\u2019t borrow excessively to buy big-ticket items like cars or expensive products. Instead, save up until you can afford them. The best way to do this is by taking a certain amount off the top of your paycheck every pay period and investing it in guaranteed products like CDs. You don\u2019t want to invest it in riskier products like stocks because you know you\u2019ll need it relatively soon and can\u2019t afford to lose it.<\/p>\n\n\n\n

(Shortform note: When it comes to cars, some personal finance books<\/a> go beyond this advice and tell you specifically which vehicles to buy: used cars. In The Millionaire Next Door<\/em><\/a>, authors Thomas J. Stanley and William D. Danko indicate that wealthy people usually buy cars that are two or three years old because they understand that new cars are overpriced. In fact, most car buyers spend 30% of their net worth on a car, whereas millionaires spend only 1%.<\/a>) <\/p>\n\n\n\n

Tip #2: \u201cA Dollar Saved Is Two Dollars Earned\u201d<\/h3>\n\n\n\n

It\u2019s better to save money when making purchases than it is to earn the same amount in income because your income is subject to taxes and deductions. As Chilton puts it, \u201ca dollar saved is two dollars earned.\u201d<\/p>\n\n\n\n

For example, if you save $300 by buying an item on sale, it\u2019s the same as if you had earned a $600 bonus. It\u2019s not worth killing yourself at work to make more money<\/a> when you could do better to shop around for the best price before buying expensive items.<\/p>\n\n\n\n

(Shortform note: Other personal finance books agree with this approach. For example, in The Millionaire Next Door<\/em><\/a>, Stanley and Danko claim that high-wealth individuals are often frugal<\/a> and bargain-conscious, buying items on discount or at factory outlets.) <\/p>\n\n\n\n

Tip #3: Don\u2019t Carry Credit Card Debt<\/h3>\n\n\n\n

It\u2019s never a good idea to carry credit card debt. The interest rate on credit card debt is much higher than it is for standard consumer loans. If you can\u2019t pay off your credit card balance, borrow from the bank\u2014the interest rate will be much lower on the bank loan.<\/p>\n\n\n\n

In fact, Chilton advises against using credit cards at all, as they make it too easy to spend money you don\u2019t have.<\/p>\n\n\n\n

(Shortform note: Like Chilton, many authors advise against using credit cards, as well as counseling more generally against buying things you want, but don\u2019t need (which credit cards facilitate). In Your Money or Your Life<\/em><\/a>, Vicki Robin and Joe Dominguez explain that the marketing industry was born when factories in the early 20th century were producing more goods than ever before, and companies needed a way to convince people to buy things they didn\u2019t need. They argue that this culture of over-consumption not only causes people to live beyond their means, it also depletes the planet of finite resources<\/a> and accelerates climate change.)     <\/p>\n\n\n\n

Tip #4: Understand Your Spending<\/h3>\n\n\n\n

Although it\u2019s not necessary to budget meticulously, Chilton says it\u2019s helpful to write down your monthly expenses periodically to see where your money\u2019s going. That way, you\u2019re not spending too much on the wrong thing, and you can make any adjustments that seem warranted.<\/p>\n\n\n\n

(Shortform note: Many other personal finance books do recommend careful budgeting, including The Barefoot Investor<\/em><\/a>, The Total Money Makeover<\/em><\/a>, and The Millionaire Next Door<\/em><\/a>. The latter states that more than half of all millionaires create monthly and<\/em> annual budgets<\/a>, and 62% of millionaires know their annual expenses for basic needs.) <\/p>\n\n\n\n

Tip #5: Keep a Modest Emergency Fund<\/h3>\n\n\n\n

Chilton says that, contrary to some advice, you don\u2019t need four to six months of income in an emergency fund, but it is a good idea to keep some money on hand for emergencies. This is especially true if you\u2019re a homeowner\u2014you never know when unforeseen expenses might crop up.<\/p>\n\n\n\n

He says keeping too much in an emergency fund is a waste because you could be investing that money or using it to pay down debt rather than being taxed on it and earning low rates of return. Only people with unpredictable income or little job security<\/a> should keep more than a modest amount in an emergency fund.<\/p>\n\n\n\n

(Shortform note: As Chilton notes, other authors recommend a much larger emergency fund. In The Total Money Makeover<\/em><\/a>, for example, Dave Ramsey says you need a fund big enough to cover three to six months of expenses<\/a>, to protect you in the event of a job loss or medical bills.)  <\/p>\n\n\n\n

Tip #6: Use Excess Cash Wisely<\/h3>\n\n\n\n

If you have excess cash (for example, from an inheritance), Chilton says the best investment decision you can make is to pay off any debt with non-deductible interest, such as car loans and credit-card balances. Make sure you always pay off the debt with the highest interest rate first.<\/p>\n\n\n\n

If you have excess cash and you have no debt (and you\u2019re implementing Chilton\u2019s other financial principles), spend your money!<\/p>\n\n\n\n

(Shortform note: Chilton advises paying off debt with excess cash; other personal finance books recommend that you pay off debt first, before you do anything else. In The Barefoot Investor<\/em><\/a>, for example, Scott Pape recommends eliminating debt by taking steps<\/a> such as listing all of your debts, renegotiating your interest rates, and paying off your debts one at a time, starting with the smallest.)<\/p>\n","protected":false},"excerpt":{"rendered":"

Do you spend more than you make? How much credit card debt do you carry? Do you have an emergency fund? A great way to save money is to live within your means. David Chilton, the author of The Wealthy Barber, says that living within your means doesn\u2019t have to mean careful budgeting. If you implement big-picture financial planning, day-to-day spending choices like whether you buy coffee or order take-out don\u2019t matter too much. Keep reading for advice on how to live within your means.<\/p>\n","protected":false},"author":9,"featured_media":70667,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[7,31],"tags":[665],"class_list":["post-70659","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle","category-money","tag-the-wealthy-barber","","tg-column-two"],"yoast_head":"\nHow to Live Within Your Means: 6 Tips for Saving - Shortform Books<\/title>\n<meta name=\"description\" content=\"David Chilton says that big-picture financial planning is the key to saving more money. 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