Skye Thomas

Skye Thomas
Writer, Rebel, and Soapbox Ranter

Tuesday, September 18, 2012

How to Save Money When You Are Poor - Looking Up Newsletter

September 17th, 2012
Looking Up Newsletter

Hello everyone,

I am on the hunt for a low salt recipe for Sausage Seasoning that I can sprinkle on lean meats and give it that sausage smell and flavor while avoiding the high fat and high salt elements of traditional sausages. I found a decent chicken sausage at the store, but it was still high sodium. Does anyone know how to mix up a batch of yummy sausage seasonings without using too much salt?

take care,
Skye Thomas

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Books by Skye Thomas

Who is Skye Thomas?

Skye Thomas is the CEO of Tomorrow's Edge, an Internet leader in inspiring leaps of faith. Her books, articles, and astrological forecasts have inspired people of all ages and faiths to recommit themselves to the pursuit of happiness. To read more of her articles, previews of her books, and her astrology forecasts, go to To read more about Skye and to read archives of this free weekly newsletter, go to

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Quote of the Week:

It's a recession when your neighbor loses his job; it's a depression when you lose yours. - Harry S Truman

Use what talent you possess - the woods would be very silent if no birds sang except those that sang best. - Henry Van Dyke

Forgive him, for he believes that the customs of his tribe are the laws of nature! - George Bernard Shaw

Feature Article of the Week:

Secret Savings Fund

If you are anything like most Americans, then you have a hard time setting money aside for a rainy day. We are supposed to put it away before we spend a dime on anything else, but just knowing it is there can be half the problem. Knowing that there is still money at the end of the month can be tempting when the craving for pizza and movies comes along. I have found an easy way to save money without knowing that I am saving it. This method will work no matter how rich or poor your bank account is.

It involves a manipulation of the checkbook register. Normally, if you write a check for $10 then you deduct $10 from your register just like always. To secretly save money, change the way you are recording your transaction. When you are keeping track of your checks or debit card payments, lie to yourself. Round up to the nearest number ending with a 5 or a 0. If you write a check for $9.50, then you would deduct $10. You have just added $0.50 into your savings account. Not much but keep at it. When you write a check for $10.50, subtract $15 from your register. You have just added $4.50 into your secret savings fund. Not only did you net $5 into your secret savings with those two transactions, but you have also simplified the math a lot!

When you make deposits, round down to the nearest 0 or 5. For example, if you deposit $918 into your account, then only add $915 to your register. If you add $1104 then only add $1100. Again, you’ve added $7 into your secret savings fund with two deposits.

I have done this for years and have found that the average savings per transaction is about $2.33. You would think that it would be $2.50 because that’s half way in between $0 and $5. However, there are those times when you really do deposit or withdraw an exact $100 or $55, etc. There would be no need to round up or down because those already end in 0 or 5.

Whenever you are reconciling your checkbook, it becomes much easier. You check off each transaction that the bank has processed. You add to the bank’s total any deposits that are not recorded yet. Then subtract any outstanding checks or debit payments. The bank’s grand total should be bigger then your own because of all of the times that you have lied to yourself saying that you spent more then you did or deposited less then you did. The difference between what the bank says you have and what you say you have is how much you have saved. Ta da! You will be amazed at how fast the money adds up. The more transactions you run through your account the faster you will build a savings.

Years ago as a struggling single mom without child support, I was able to pay for family vacations, school clothes, and even the down payment on a car with money that I had hid from myself this way. I cannot tell you how many times I would remember that hidden money just in time to pay for a much needed car repair or children’s birthday parties when there was no money in the budget for such things. I promise you that you never really notice the missing money and it can really brighten your day when you suddenly realize that it is there when you need it most. It is kind of like putting on your favorite jacket at the beginning of winter and finding a $20 bill that you had forgotten all about.

Need someone to talk to about life's challenges?
Skye Thomas is available for life coaching.

Copyright 2004, Skye Thomas, Tomorrow’s Edge

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Tomorrow's Edge
...inspiring leaps of faith
Books, articles, newsletters,
life coaching, and horoscopes.

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