Tired of being broke? Tired of living paycheck to paycheck? Your finances seem to be the number one topic. We want to save, but we don’t have enough money left. You want to start saving now, but you don’t know how to start saving now or how to get motivated.
What if I tell you that I used to live like this, paycheck to paycheck, in debt and blaming others for having “money” problems and I couldn’t live like that. It seems that we are living a world where we tend to blame others for our financial mess instead of taking responsibility for our actions.
We develop this broke mindset and can’t seem to understand what the meaning of wealth is about. We appear to think that having money and material defines who we are as people. We seem to have forgotten that the simple things matter and should matter more now!
When I decided that I wanted to stop living like this and start living life I didn’t want money to control me and tell me how to live my life. I needed to start managing my money and start saving now!
I knew that if I didn’t start saving money now, I was never going to do it. I knew that if I didn’t change my broke mindset and start turning that mindset into a wealthy one, I was never going anywhere.
You can sit and find excuses as to why you can’t do it. Believe me, I sure did, but the reality is that you can, and many others have succeeded, so what is holding you back? You are responsible for your own life and finances. No one owes you anything, and you are in control of your life.
I learned that hard way that I can depend on me, and since I got myself into my financial mess, I needed to get myself out. Fast forward today, and we are making progress.
Does this financial thing get better?
Yes! It is hard at first, and you feel like you want to quit, but is so worth it! You see when you take charge of your finances and start saving money, your view about life and yourself changes.
What matters now is family, living a simple life, then material and worrying about what the Joneses are doing. Even when money was the last thing on our mind, we continued to save money.
So how can you start saving money now? What can you start doing today to help you save money?
You can start saving now, today, by following these achievable tips. One thing I always say and will continue to say is this:
Everyone financial journey is entirely different. NEVER compare your finances and your journey to others.
When you start comparing yourself to others, you will fail! What works for others might not work for you, but one thing that we all have in common is that we were able to live below our means and not have money control our lives!
7 Achievable Ways to Start Saving Now
Start a budget
Take the time today and sit down and start working on your budget. Without a budget, you are not going to be able to save money or manage your money. By starting a budget, you will be able to see where your money is going and identify the problematic areas of your finances.
Starting a budget when you never did one before is the hardest thing you have to do because you have to be honest with yourself. You need to account for every income received and expenses for the month this is when you realize and see where the issue with your money lies.
Never created a budget? No problem and there is nothing to be ashamed if you never created a personal budget. Yours truly never created a personal budget until I decide to take charge of my finances.
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Did I fail at it? YES, many times. You see, I needed to figure out how to create a budget that worked for me. I was all over the place copying others budget and failing epically.
A key point to remember is that creating a budget is important and very personal. You will see that many people are very detailed oriented, others preferred apps, others good old pencil and paper. No matter how you create your budget, you find the budget style that works for you.
If budget templates are more of your styles, you are more than welcome to check them out here. It is also important to know what annual expenses you need to save for as well when creating your budget.
Write a financial plan
Everyone needs a financial plan. Why are you saving money and how much are you going to save? Why do you want to start taking charge of your finances? Do you want to pay all your debt? To start saving now, you need to write down your financial plan.
Starting today, you will write your plans, not sure of what goals or how to start your plan? Start simple. Create a weekly financial goal and work your way to monthly and so on. Remember this is your financial journey. The reason you want to start saving money now and why.
Having a financial plan will also motivate you to keep going. You see I never wrote any financial plan at all.
Only until I started my financial journey did my simple financial plan and goals turned into saving about $20K, This financial goal enabled me to quit my job and become a stay at home mom.
I couldn’t have accomplished that goal if it hadn’t been for great financial planning. Mind you; this took years, but it was so worth it!
Once you create this financial goal or goals, place a copy of your plan in a location that will remind you from now on why you decided to start saving today! Take a photo and put it on your phone as a wallpaper. Place it on your wall, fridge door; anywhere you will be able to see it and be reminded why you decided to start saving.
Stay motivated! Not just today but every day.
Quit spending money
If you are like me that love to spend money, especially when I am emotional, chances are this will be one of the hardest things to do. By starting today, you will go into a spending freeze and will not spend money on things you don’t need.
Reducing your spending is important to save money. We love to shop; we love to eat out, we love stuff, and honestly sometimes this the main reason we are broke and have a hard time to spend money.
If you are serious about starting to save money today, then you will create a plan that will reduce your spending and will avoid wasting money on things when your finances are a mess.
What can you do to avoid spending money? Below are some tips for you:
- Go over your budget
- Get back to reviewing your goals
- Avoid going out with your car
- Pack your lunch
- Avoid deal sites
- Avoid going out to eat
- Shop with a shopping list
I can go on about not spending money, but I think you get the idea.
Automate your bills
It is time to start using technology to help you get your finances under control and start saving money now. I have heard it all from “I love it” to “I hate it,” but the truth is that it works, it is easy, and we are moving forward with it. Meaning companies are paying you via direct deposit.
How technology has helped us manage our finances shows that automating your bills does work and helps you save money. Do you want to start saving money now? Then start looking for ways to automate your bills.
Remember bills come first before anything else. Having the money assessable for your bills is important. You can also start transferring money to your savings account and begin the process of saving.
By automating our bills and savings, we have been able to pay our bills on time and save money for Christmas, vacations, and summer.
Use your phone to save money
If you have a tablet or a smartphone, chances are you can make money from them using money-saving or money-earning apps. Look at it this way, free money, and who doesn’t love free money?
What are some examples of apps that pay you? Below are some of the apps I use.
Start looking for ways to save on groceries
Groceries are one of the biggest expenses and one of the easiest to control. There are many ways you can start saving money on groceries and below are a few tips on how you can save money now by saving on your groceries.
- Check your local grocery store weekly ads
- Create a menu plan
- Shop with cash only
- Use coupons
- Avoid shopping when you are hungry
Start finding ways to earn money
If right now finding ways to save is hard because of your finances you can always make some extra cash. You don’t have to settle for the income you have. I know when I lost my part of my income last year; I refused to settle and decided to earn more money.
To start saving now, start looking for ways to make more money and use that money and save it. Making a small amount of money on the side to a larger amount all depends on you. But to keep things real and since you are just starting today, you can start finding easy ways to make extra cash.
One way to make money online is by doing online surveys. Now to be honest with you, you can make money with online survey companies not as fast as you might think. It takes time, which means it is time-consuming.
Below is a list of legit survey companies:
- National Consumer Panel USA
- Inbox Dollars
- Toluna – Get Rewarded for Surveys & Polls
- PineCone – Male
- PineCone – Hispanic
- Panel De Computadoras Y Móviles
- Opinions Network Surveys
- I-Say Panel
- The Panel Station US
If you want to make money to the next level, start thinking of ways you can make money using your skills. If you are a writer, start making plans to make money on the side writing articles and selling them online.
To help you get you motivated here are some resources to make money on the side. Again, there are many ways to earn extra cash and starting today you can start planning and earn.
How to start saving money now is attainable, and with the right mindset, you will be able to start saving money. With these tips and resources starting to save money today will help you get your saving goals in the right direction.
When did you decide to start saving now? Did you decided to do it or did you pick a date?