You need to start a regular savings routine.
Even if you cant spare much there are things you can do.
I save all my change for the year and do NOT spend any of it. By the end of the year I have had as much as $400.00 .
I dont miss the change and it adds up fast.
Also I save all my one dollar bills. I put them in a small safe and pretend they do NOT exist. I never spend the . You have to be adamit about it.
Last year I had almost $600.00 saved in ones alone.
In Oregon all pop cans and bottles are returnable so I save 100% of that money too. Even though we like to use debit or credit cards isntead of cash I make sure I take out at least one $20 to spend for bread, milk etc.. and save the change of course.
I also have a cash back credit card that I always use for my gas and groceries and get 2% cash back. I pay it off every week on line so I never get a huge bill and never have to pay interest.
Everytime it gets to $100.00 I send for it, then save that too.
With all of this I paid for 2 weeks at WDW last month and now I am saving for our 4 day Dream cruise.
I know it doesnt sound like alot but it really adds up fast.
Hope you can try and save some $$ too for a cruise.
We have been through being laid off 2 times in 3 years and now live in an RV with our stuff in storage and I still manage to save some $$ every month. If I can do it, so can you!!
Good luck!!
*SIGH* Hate being broke.
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