You should really consider cleaning out your home.
Nah, I framed the sucker and hung it on the wall as a conversation piece when family and friends come in crying poor mouth at only getting $9.00 an hour to start.
So how to save money non taxable. Go ask the old timers. First pay yourself, cash that pay check and take out the same amount you tithe to the church if you do so. Stash it away in a mason jar under the bed or floor boards.
Then every day empty pockets and purse of all change and stash it away. Then when recording checks round it out to the nearest dollar. Say you write a check for $11.50 record it as $12.00----Now you have 50 cents more then you though in the bank, it adds up fast.
Have to adjust at the start, cut out those coupons and when you save 50 cents on an item put that 50 cents into a jar. Say you buy something on sale half off, take the saved money and stash it away.
Cars, say you have a paid off car for 5 years and now it is nickle, dimeing you to death. Stand back and figure out how much money you would now have to pay for a newer car and the savings you had for the 5 years of no car payments. Figure the cost, say the car needs $2,000 to keep it on the road for another 5 years, now figure the cost a newer car will cost you in that same time.
In the 5 years since pay off you have saved around $15,000 bucks in car payments. A few thousand to keep it running will save you big bucks in the long run. Take good care of the sucker and you will end up with a classic.
Youth does not know how to save money, We middle aged couple when married could afford to live in nice apartments at a big cost. We found the Ghettos and paid 3/4 less then what we could afford. After 3 years we had saved up enough to put a down payment on our home and buy all new furniture.
As I look back now both of us were making slightly over the minimun wage, we were crafty in spending, say we desired a night out for dinner and dancing, we calculated the cost, took the money and saved it and ate at home under candle light and danced all night to MTV in the living room.