Trying to save is next to impossible...
Im pretty good at spotting deals, sales, and buying things I go through fairly quick in bulk for a cheaper price. So saving in that sense, I am good with...
But when it comes to actually saving up for something major (I'm trying to move either to Boston, Mass. or somewhere in the northern Ohio area) It's seems like it will never happen.
I start out good and then have a car problem or need to pay for a prescription, or gas or only god knows what...
I can't open a bank account of any kind due to identity theft, they place a levy on anything I open. I don't have anyone I can trust to open one and let me stash money in it or even hold onto it for me.
I am trying to put it all in an envelope and tell myself I cant touch it but then cases like the above happen and I can't help it.
Any ideas?
Also, if anyone here has ever had a 403(b) with TIAA Cref (usually only available for workers at educationsal instututions) if you ever canceled your 403(b) howhorrific were the charges and tax for doing so? I don't have alot in mine ($440ish) but I'm debating whether I should cancel it out since I haven't added anything since January 2007 or if I shouldjust let it sit. It really hasnt been going up or down, whatever I dolose I makeback up the next quarter but if it wouldn't be bad taxwise to cancel it I could so use the cash...
But when it comes to actually saving up for something major (I'm trying to move either to Boston, Mass. or somewhere in the northern Ohio area) It's seems like it will never happen.
I start out good and then have a car problem or need to pay for a prescription, or gas or only god knows what...
I can't open a bank account of any kind due to identity theft, they place a levy on anything I open. I don't have anyone I can trust to open one and let me stash money in it or even hold onto it for me.
I am trying to put it all in an envelope and tell myself I cant touch it but then cases like the above happen and I can't help it.
Any ideas?
Also, if anyone here has ever had a 403(b) with TIAA Cref (usually only available for workers at educationsal instututions) if you ever canceled your 403(b) howhorrific were the charges and tax for doing so? I don't have alot in mine ($440ish) but I'm debating whether I should cancel it out since I haven't added anything since January 2007 or if I shouldjust let it sit. It really hasnt been going up or down, whatever I dolose I makeback up the next quarter but if it wouldn't be bad taxwise to cancel it I could so use the cash...