8 Tips To Help Save Money When Money Is the Last Thing On Our Minds

This post may contain affiliate links which might earn us money. Please read my Disclosure and Privacy policies here

How can you save money when money is the last thing on your mind? If this is something you can relate to below, you will find ways to help you continue to save money.

This is our story and how we managed to continue to save money even though life threw us some nasty curves.

We seriously saved money when money was the last thing we were thinking about it, and we realized this months later.

How close we were to blowing everything, we had worked so hard for financially.

We are not perfect, and though we have been able to continue to live below our means, we still have a lot of work to do to reach our goals.

It was 2015, and we were learning to deal with emotional roller coasters after another.

Honestly, I seem to be able to handle financial messes much better than what we have been going through these past months. Why? Because finances are controllable, life isn't.

Thanks to great family and friends, and one person that seems like God sent to me, we were able to past this phase and survive.

But it wasn't as easy as it sounds.

The reason I am telling you this is that your emotions can affect you financially. Your financial situation can affect you personally, and it can be downright unhealthy at times.

For these reasons, we have been trying to stick with our money saving goals we set for ourselves, and thanks to the support of family and friends, we have been doing pretty good keeping our emotions from ruining what we have worked so hard for this past couple of years.

Life isn't fair, and we never expected things to get this bad; and when things get this bad, it's when we tend to do stupid things that we regret, like ruining what you have worked so hard for financially because you are letting your emotions get the best of you.

Did we get ourselves into debt? No, we didn't.

We just lost the drive and the passion we had at the beginning of the year to save money.

Again, we are not perfect. No one is.

We don't have a magic ball, and I am the kind of person that has a hard time dealing with situations when they don't go my way. It's a fault of mine, and I know this.

As hard as our situation was, I am thankful that we didn't let our emotions overcome us.

We decided to go through this together and with calmness. The reason why is because I am impulsive, and my first thought was to leave far away.

Take all the money we saved and LEAVE far away. RUN!

This is when I have to grow up and face what life is throwing my way and accept it.

This is when my old insecurities would have gotten me into a financial mess.

This was when I learned that I have grown as a person thanks to my debt journey.

The Joyce from back then would have let her emotions overcome her, and she would use money to cope. I would have spent without thinking, without caring.

The older version of me has learned that this will not solve my problems but will create more problems, not just for me but my family as well.

During these hard times, we are still managing to save money. It might not be a lot, but it's happening. We are continuing to increase our savings and increase our blog income through all this.

Money was the last thing on my mind, yet we managed to save money without really thinking about it, and it was all thanks to our years of budgeting and financial planning (and the excellent advice of friends and family).

How are we managing to save money when things were so rough for us? How can it be possible that when we wanted to run, and our emotions were high, we continued to save money? How can this girl manage to do this and not go back to her old self?

We follow these tips to help save money that didn't require too much work from us. When you start taking charge of your finances, and you start taking responsibility for your messes, you learn to grow as a person. This financial journey is not just about money; it's about learning to grow as a person.

The best thing for me was that during this financial journey, I did it with my husband. We both learned so much about each other, and we both learned to have each other's back.

Love this post? Check out these posts:

I am opening up about this because if I could help someone financially by being somewhat open about my rough times, then I did OK.

Everyone has rough times. Everyone has their ups and their downs. It's how we manage to come out of the situation and what we learned that is important.

When you are in a financial situation, and things go wrong, going back to your old ways of managing money is not the solution. You have to keep going, saving money has to continue. This is important in good times and in bad times.

How to Save Money Without Thinking About it

Go back to your goals

When you seem like you are lost and need motivation, sit down with your husband/partner and go back and read over your goals.

This will remind you as to why you created them in the first place. The reasons you created these goals matter, they were important to you. This will give you motivation and remind you of better times.

Go over your budget

Every month, you should go back and look at your budget. This helped me stay focused financially, and it helped me take my mind off my other problems.

I think I looked at our budget more because I was so afraid that I would mess up; also because it seems like looking at it gave me some sort of control.

Set up an automatic transfer

We set up an electronic transfer to one of our checking accounts every Friday. It is not significant, but during the weeks we were dealing with our situation, it sure helped our savings grow.

Not as much as we would have saved had we been focused on saving money, but enough for us to notice.

Take a 24-hour break before spending

When I feel an urge to make a decision that will affect our finances, I will wait 24 hours before making any decisions.

I learned that if I let my emotions get the best of me, I will not think straight. With a good night sleep, things look differently.

Know yourself and accept yourself

I know that I spend money when I am emotional. I know my own faults, I do things to prevent myself from spending, like having an online checking account with a debit card that is hidden.

The reason why I do this is that it is hard for me to get to that money. I am thankful that we have one vehicle because I know that if I have a car available, I would go out more often and spend money.

I know these things about myself, and I have accepted them. Have I changed?

Yes, but I have also recognized that I am not perfect, and I don't have control of everything.

Stick to your routine

As you can see, having a budget and goals has created a method for us. These have become habits for us. Things like putting loose change in a jar, using coupons and rebate apps when we go shopping, are habits for us now.

We use these apps:

These small things helped us to continue to save money regardless of our situation.

They don't require much effort, which helped us save money when dealing with our issues.

Life goes on

No matter what happens, always remember that life goes on. Just because I'm upset and angry right now doesn't mean that this will be forever.

The situation I am going through right now is not forever. It will get better.

Surround yourself with support

Sometimes we surround ourselves with people that just don't get us or our lifestyle. The good news is that I am so blessed to have some family and friends that get us and have been in our situation. Sometimes all we need is to hear encouragement from others; to tell us that we will be OK, that God loves us, and somehow it makes everything much better.


Life is not always easy. Life is not fair. With our situation, I was reminded how quickly I could have gone back to the way I was and ruined everything

I worked so hard because I let my emotions cloud my vision. I can't control everything. I'm not perfect, but because we have been living this way for so long, we have learned that there are no excuses for us to fall back into our debt days.

No matter how bad the situation gets, staying calm and following these tips to save money when money is the last thing on our minds will help you save money so you can focus on yourself!

Your turn: Share your other tips to help save money when money is the last thing on your mind.

Similar Posts


  1. Pingback: Weekend Wandering | What I Loved This Week | Living Well Spending Less
  2. Pingback: 4 Ways To Get Yourself Back On Track #DesignYourAir @Renuzit
  3. Pingback: Back To School Shopping Mistakes To Avoid
  4. Pingback: 40 Ways to Save Money That Works! * My Stay At Home Adventures
  5. Pingback: 7 Achievable Ways Anyone Can Start Saving Now * My Stay At Home Adventures
  6. Pingback: 20 Sneaky Ways to Save Money Today! * My Stay At Home Adventures
  7. Pingback: 11 Tip On How To Not Overspend Money This Christmas
  8. Pingback: 10 Things You Shouldn't Buy When You Are Struggling Financially
  9. Pingback: 11 Financial Mistakes To Avoid This Holiday Season
  10. Pingback: 35 Unbelievable Reasons People Love Wasting Money On Food
  11. Pingback: 7 Top Posts That Will Help You Become Debt Free in 2018
  12. Pingback: Tips to Successfully Complete The 52 Week Saving Challenge
  13. Pingback: What to Save For This Year * My Stay At Home Adventures
  14. Pingback: How To Save and Manage Money On a Low Income
  15. Pingback: 12 Tips for Debt Relief You Need to Learn * My Stay At Home Adventures
  16. Pingback: 8 Tips for Saving Money Each Month * My Stay At Home Adventures
  17. Pingback: 10 Helpful Tips To Survive Black Friday Shopping This Year
  18. Pingback: How I Lost A Chunk Of Our Monthly Income
  19. Pingback: Weekend Wandering | Living Well Spending Less
  20. Pingback: 7 Realistic Reasons To Adopt A Frugal Lifestyle Right Now
  21. Pingback: What Are you financially Thankful For This Year?
  22. Pingback: How to Get Rid Of Your Financial Fears And Start Living!

Leave a Reply