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I read a very interesting article today.  It was about a woman who spent $453 in one month on Uber rides.  When she took a more in-depth look at what she was spending her money on, she saw that she also spent over $200 in one month on a food delivery app, and she spent nearly $100 over the course of a few months on buying extra lives in Candy Crush!  (You can read the article by clicking here.)

One of the takeaways from the article was how easy it is to spend money using the apps on your phone.  This, of course, is just a new take on an old problem - what are you spending your money on?  Do you know where your money is going?  And how is that affecting your future (for example, your ability to buy a house)?

What are you spending your money on?

There are a number of ways you can track what you're spending your money on.  You can go high-tech and use an app like Mint, or you can go low-tech and hang onto all of your receipts every month.  You should also go over your credit card statements every month to see where your money is going.

Once you've taken a look at where your money is going, ask yourself this question - did I really need to spend that money?  Take careful note of all the little purchases you keep making over and over, because you'll notice that they add up to a lot.  It's truly the small habits that seem inconsequential that can have the biggest impact on you.

How are your spending habits affecting your ability to buy a house?

Let's say you're spending $100 a week on eating out.  That's $5,200 a year you're spending!  That money could go toward a down payment on a new home, it could pay for closing costs, or it could pay to decorate your new home when you buy it!

And I'll bet there are other areas where you're spending money you don't need to.  All of this can add up to big money you can bank!

Of course, you can keep spending your money on things that aren't necessities, and you can put off your ability to buy a home.  Or you can tighten your belt a little (not even a lot), and put yourself in a position to buy your dream home now, instead of having to wait even longer!

One last thing (and this one's a keeper)

Darren Hardy, author and speaker, once said something that holds very true for saving money, and for many other areas of life.  He pointed out that short-term pleasure brings long-term pain, and short-term pain brings long-term pleasure.  It's fun to spend money on eating out and buying things, but it puts you farther away from buying a home.  And while it's not always fun to save money, it does get you closer to having your own place!

If you have questions about buying or selling a home, or if you need some help putting a plan together, give me a call at 908-705-5110 and we'll get you on the right track.  Your new home is waiting for you.