People often ask me, a “financial guru,” how they can save money as the year draws to a close.  Here’s my plan.

My shower brush broke. It’s barely holding together.

The Author's shower brush with crack visible on left

I face tough choices:

1. Keep using the brush until it’s unusable. If the brush holds together until the end of 2011, I’ll save the money I would have spent buying a new one in 2011.  The plan carries some financial “risk,” because the brush might break before December 31.

2. Buy a new brush.  This will cost me about $10 at Whole Foods (Whole Paycheck).

3. Repair my brush.

4. Do without any brush if this one breaks completely, and try a washcloth.

Choice 1 exceeds my risk tolerance. Choice 2 is a sure loser. Choice 4 requires innovation.  So it’s Choice 3 — I plan to fix my brush with Gorilla Glue.

A closer view of the author's broken shower brush, with Gorilla Glue

That plan will save me $10, minus the couple of squirts of Gorilla Glue.

Because I plan to fix the brush sometime over the next few days, now I have a Plan to Save Money in 2011.  Having a plan gives me peace of mind.

Moreover, because I’m using Gorilla Glue and gorillas are aggressive, this is an “aggressive” financial plan.

For more money tips and tricks, buy my new book, A New Financial You in 28 Days! A 37-Day Plan, here.

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