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Five Simple Ways to Save Money Right NOW

We all want to save money, especially at the beginning of the year, every single year. We set these goals, and we do good for a day or two, then fall off the wagon. The truth is that you can save a few simple ways.

Here are FIVE simple ways to save money right NOW:

  1. Set Savings Goals

The first step is to think about what and why you are putting money aside. It can be for a vacation, retirement, or just for a savings account. You need to really break down the purpose you are saving. The objective depends on where you are and where you want to be. Set yourself milestones and goals. Check in once a month or bi-weekly and see where you are and how far away you are from your goals. 

  1. Pay Yourself First

Set up an auto debit from your checking account to your savings account each time you get paid. This action is something referred to as “set it and forget it.” The number doesn’t need to be much, but take a look back at step one and see how much you need to save each month.  

  1. Stop Smoking

My husband smokes, eh. I hate it, but it has been SO hard for him to quit. We have tried so many different options. I often think about how much we could save if he stopped smoking. If you smoke a pack and a half every day, that amounts to nearly $3,000 a year. Imagine a nice vacation you could have with that money; that is a considerable chunk of change!

  1. Take a “Staycation”

The place doesn’t even need to be anywhere close or far away, but somewhere with a bit of distance so you can truly enjoy the trip. Not traveling too out-of-the-way will save you money, while you are still able to have a little fun. 

  1. Pack Your Lunch

I am pretty adamant when it comes to taking your lunch. To prevent spending $10+ a day on a meal, I pack my own and snacks. I do manage to treat myself at least once a week or bi-weekly. By saving that money, I can put it aside into a separate bank account to see exactly how much I saved from not eating out. 

One more quick way to save: Create an Interest-Bearing Account. Many banks have different interest rates or rewards. Invest in the one that will bring the most bang for your buck. When you have a savings account, you certainly want to ensure to get a high interest rate.

Once you get a savings account built up, open a CD or emergency fund with a larger investment rate so that you can let it sit and build cash. What are some ways that you save money? Prepare for your future by always setting aside a little bit at a time over a longer period!


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  1. Really good, actionable tips! I work out of my house now but always packed a lunch when I worked in an office. Don’t think people are aware how much money vanishes over time when you are only spending it in little $5-20 increments here and there!

  2. Very informative post, Susie. Thank you for sharing these ideas. I have a close friend who smokes. If she knew she could save $3,000 a year, she would probably give up the habit! For me, I love the idea of packing your lunch for work. It is so simple, but it can save money and your health! I used to go out for lunch nearly everyday. Even if I was being frugal, I would spend at least $10. Plus, the cheaper options were fast food (gross). You save a ton of money just by making a sandwich in the morning. Great post!

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