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My bank account went from $43 to $1,200 in 8 months and the only thing that changed was me packing a ham sandwich every single day
I used to drop $11 at the deli near my office in Portland 5 days a week, and after my roommate bet me $50 I couldn't go 30 days without it, I proved him wrong and just never quit, so now I'm curious, what tiny habit did you cut that actually moved your savings needle?
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wyattmitchell19d ago
The thing nobody talks about with these little swaps is what happens to the money you don't spend on the thing you cut. Like yeah, the ham sandwich saved you $55 a week, but if that cash just sits in checking next to your normal spending, it blends in and gets eaten by other stuff. What worked for me was moving the exact amount I would've spent to a separate savings account the same day, so a $9 lunch became a $9 transfer. Watching that stack up is weirdly addictive in a way the lunch never was. The habit only moves the needle if the money actually lands somewhere you can't touch it.
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