I am obsessed with finding easy ways to save money. What do you do to save money?
I save money by budgeting. When I first got my paycheck, I listed down all my necessities, so that I can set aside a fixed amount of money on them. Then I allot a small but reasonable amount for my extra expenses which include, going out and trips to the coffee store. The rest of the money I put in my savings account. When I don’t spend the money I allotted for my extra expenses, I also add it to my savings account and as my salary increased, the difference between my previous and present salary, goes straight to my savings account as well. The important thing in saving money is having the discipline to differentiate between needs and wants and having the restraint to postpone buying items under the wants list unless I really want it and feel like I deserve it. Checking my credit score also helps me save money. When I see my finances and how much money I saved, they never fail to encourage me to save more. If you are having a hard time saving money, you might be making money mistakes that you are not aware of. To find out if you are committing one of them, visit
I collect my change
I have a savings account connected to my checking account so that every month a bit of my checking transfers over to my savings - so I am automatically saving.
I try hard never to eat out - because even the dollar menu can add up
I shop at Goodwill or other consignment shops sometimes because if you look hard enough you can find some great clothes (sometimes Walmart has great stuff too)
I buy generic brands of food - often they are made by bigger companies anyway! Like I think Heinz makes generic ketchup for some stores
Just some of the things I do!
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1st make a promise - you will only pull out the money that you invest (capital) to make another investment. 2nd invest 10% of your weekly/monthly income (on the day you receive it) into whatever you like I.e. long term deposits, gold, shares, funds, insurance, commodities, property (safer instruments are better if you dont have time to follow-up with the investment). The investment must be a 3rd party (not someone you know). Quite frankly the only way to save money is by working everyday for that day. The day you stop working, you're savings stop.
It's called 'never spend a dollar' - you always pay with a larger bill - say it's $2.37, pay with a $5 because at the end of the day you're going to put all your ones and put them aside - accumulates fast...Merry Christmas !!
Collect any lose change and you can go get a savings account. All you have to do is go to the bank, send a bank slip with your money and it goes directly into your savings!!!