How to Have a Surprise Bank Account | Tucson Boudoir
First things first, if you are in a relationship where all your money goes in a joint account or you share financials with your significant other I am NOT suggesting a HIDDEN bank account. That leads to bad things. This is about setting aside money for a splurge - like a boudoir session!
I'll be honest with you, a session with me is not cheap. I can show you more expensive photographers, but I know that I am not the cheapest of the bunch. There is a reason for that - I want to ensure that you receive personalized attention from the time you contact me to the time I deliver your products. I only use highly regarded hair and makeup artists, I make sure little details are taken care of at your session - like having drinks and snacks on hand - because face it, modeling is hard work! I also only offer high quality products because I want them to last a lifetime. So if you're thinking I'm out of your price range read on for an idea to save up for the session of your life.
Have you ever seen the movie “Up”? The couple Ellie and Carl have a jar that they put all of their spare change in at the end of each day, and over time, this jar gets filled and eventually is enough to help them in troubled time and then to buy them tickets to their dream trip. This principle of saving a little every day is so valuable! Most of us just put a chunk into our savings account infrequently, then use it as needs arise, but the idea of saving a little every day can be far easier and more beneficial!
To have this easy savings account, start by setting up your parameters, and rules. Some ideas could be the money goes in a sealed jar that can only be opened after breaking it, or a container that is viewed by everyone in the family, and so you are held responsible for not cheating and accessing it early. Next decide how frequently you want to add to your “savings account”-this could be small change at the end of every day, maybe five dollar bills leftover at the end of the week, or even all the quarters you find. You may just want to transfer money from your checking to your savings automatically every month. Get in the habit of actually putting money in, and not thinking about the accumulating amount you are making. By the time you are ready to use it, or really need it, you will be surprised by the little amount of effort it took to save so much! This is such a rewarding and exciting habit to start.
If you like following a plan instead of arbitrarily contributing, check out one of the many 52 week money challenges on Pinterest.
UPDATE Aug 2, 2015:
So I stumbled on this nifty little savings app the other day and I'm trying it out for my own personal fun fund. The company is called Digit and they are taking automatic savings to a new level. From their site:
“Every few days, Digit checks your spending habits and removes a few dollars from your checking account if you can afford it. Easily withdraw your money any time, quickly and with no fees.”
Basically Digit analyzes your spending and every few days moves money from your checking account into a separate savings. So instead of picking an arbitrary $ to save every month or week, it does it based on what you can afford. They even have a no-overdraft guarantee.