13 Easy Ways To Trick Yourself To Save Money
From the Recaps Archives originally posted on 4/30/2019
13 Easy Ways To Trick Yourself To Save Money
By Ryan
If you have trouble saving money each month and always seem to go over your budget, try some of these helpful tips and tricks to save more money!
Saving money is definitely not as fun as spending money. Before I successfully changed my spending habits, I learned a few tricks to save money even when I didn’t want to. If you are trying to pay off debt or saving for retirement or a vacation, all of these tips will help you get there faster!
#1. Use Cash For Everyday Expenses
You should have a monthly grocery budget. At the beginning of each month, take out that money in cash and leave your cards at home when you go to the store. Creating a list and shopping with cash will help you stick to your budget if you know you don’t have a credit card to fall back on.
I also recommend using Clicklist or any other online shopping method. I wrote an article about how my wife and I save a ton of money using Frys Pickup by shopping online and picking up our groceries from the store. Read more about it here: How Frys Pickup (formally Click List) Saves Me Money
For the cash technique, you can use this strategy for any other budgeted item you have. You can use cash and leave the cards at home when you go to a restaurant, movie theater, etc. Force yourself to stay on your budget.
#2. Pay Your Savings First Each Month
You should have a budget set up for the beginning of each month. In theory, you know how much money you are able to spend and how much you plan to save. Instead of spending money all month and saving whatever is left, reverse the process.
When you receive your first paycheck of the month, automatically move a certain amount of money from your checking account to your savings account. Many banks can do this for you automatically if you set it up for a certain amount. If you automatically move $25 dollars over initially, you know you have at least saved that much.
Force yourself to lower your spending rather than your saving. By reversing your money management order, you can more easily achieve your savings goals.
Digit is a mobile app that will assist you with this process as well. Digit is a service that looks at your spending and transfers money into a savings account automatically. If you would like to try it for free for 30 days, click my link here.
I To continue reading, please go to the original article here:
https://arrestyourdebt.com/13-easy-ways-trick-yourself-save-money/