We all know the struggle, you get a bonus at work, sell something on Craigslist, or get an allowance (if you still get an allowance I’m jelly) and the extra bit of cash is gone before you can say abracadabra. There are just too many cute and useful things out there we just have to have, but saving money can be fun too and here’s how I save:
1- Open a savings account – yeah, I really do need to list this one as silly as that sounds, because some people still don’t have an actual savings account. You need to have a designated spot to deposit money that is marked “savings”. It will help you think of it as unavailable money on the day to day.
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3- Cut out or reduce all unnecessary or static bills – call your auto, home and health insurance providers, do they offer a discount you aren’t taking advantage of? Are you still paying $40+ a month on that gym membership you never use? Do you really need the health plan for your pet? Can you get a better deal on your TV & internet bundle? Can you get a discount on bills paid to a credit card or pulled directly from your checking account? This one might take some time to find all the discounts and cut out all the things you pay for but aren’t taking advantage of, but you work hard for your money so why spend it on things that you don’t need or use?
4- Track your spending for a month. Keep receipts for everything you buy in a month and break them into categories like food & drinks, gas & parking, groceries, shopping, utilities, etc. and see where you are actually spending money. At the end of the month, if you can’t go to that concert with your friends cause your fun money ran out, then you look and see you actually spent $60 on lattes that month… a girl might wanna brew a cup o’ jo at home. Just sayin’.
5- Set up a money saving game with yourself or a tool that helps you save. My 101 in 1001 list is this extra money saving tool for me. It’s 101 little goals or things to do to try and complete in 1001 days. I have mine broken into sections like professional, friends and family, and invest. In my invest category one of my goals is to save $10 for each thing I accomplish on the list. These 101 in 1001 lists become addicting and if you just stick $10 in a jar as you cross things off it barely phases you and it adds up quickly.
That’s it! These might be new ideas for some of you and common sense to others, but I have always been a saver and I actually love the feeling of having more in savings at the end of every month. I was also raised by a CFO and a mom that could keep a family of 4 in a $20 budget if she had to (witchcraft I tell you!) so I guess I was predisposed.
One of the best things my dad taught me about saving and creating a life that doesn’t create debt, was to establish a lifestyle that makes you happy that is within your means and then when you get raises or bonuses your lifestyle can stay the same because you don’t feel like you are missing out on anything, and that extra dough can be saved for a rainy day. Also, if you save for things, like a car, a house, a splurge at the Nordstrom Anniversary Sale… your purchases will mean more than if you always just bought everything you wanted at that moment.
I hope you have a fun and relaxing weekend and thank you for spending time with me here!
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