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6 Creative Ways a Spender Can Save Money

We live in a world of instant gratification. There is always something we want or need, whether it’s a new book, outfit, or a weekend getaway. Some people have to spend their money right after they get it, and living paycheck to paycheck is not fun. The first thing you should do is put away a little bit of money for the future. A savings account, a nest egg, a rainy day fund, no matter what you call it, you need one. Here are a few ways you can build a cash reserve and save money.

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1. Budget
Anyone can make a budget. The trick is to stick to it. Pay yourself first and do not stray from your plan no matter how badly you want something. Set a monthly amount for utilities, gasoline, sundries, and entertainment. There may be times when you’re invited to a party and need to bring a gift. Set aside a small amount of money for these extras, but don’t use this as an excuse to spend money outside the budget.

2. Weekly Saving Plan
Quickly and effortlessly put money into a saving account by following a 52 week plan. Week 1 add $1, week 2 add $2, by the time you reach week 52 you deposit $52. Take a look at your balance. In one year you be amazed at how easily you just save over $1,300. And the most important thing, don’t dip into it, just watch it grow.

3. No More Credit Spending
You can have credit cards, but keep a low revolving balance. If you do use them for cash back perks or other benefits, keep the purchases low, and pay off the balance every month. If you are too tempted to bring out the plastic when you see something you’ve got to have on your next shopping trip simply leave the cards at home. Freeze them in a block of ice if you have too.

4. Save Online
When it’s time to shop, always look for a better deal. Start with the clearance rack and sales, and then double check online options. Take advantage of online shopping options to research products and compare prices. Sign up for free shipping and always look for a coupon code or other discount. Buying in bulk can also help you save money, too.

5. Make Cut Backs
Think about how much money you could be saving if you cut back on some of the things you can do without. Exercise at home instead of the gym, get rid of expensive cable, and find a cheaper cellphone plan. Go out to eat once a month instead of every Friday night. Drive a car you don’t have to make payments on or take the bus.

6. Hide Money
Around tax time, why not put a few $20 bills in your coat pocket or inside a boot and forget about them? When winter rolls around you’ll have a little extra spending money. It always nice to stick your hands in your pockets and pull out money you weren’t expecting.

Why Save?
Everyone can experience money problems at some point. Having a cushion of cash will get you through any situation whether it’s an emergency or unexpected bill. Saving money equals financial freedom.

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