At the beginning of this year I would probably have won the
award for the worst money saver ever.. no jokes! But this year I have really
got my act together and I am almost at my goal amount of money, and here's how..............
1.
SET YOURSELF GOALS – Don’t just aimlessly try
and save money, because a) you will never feel like you have accomplished
anything, and b) You won’t get anywhere. No matter what you’re saving up for
set yourself an amount of money that you want saved by a specific date and
WRITE IT DOWN!! It’s so so important that your write your goal down on a piece
of paper rather than just keeping it in your head as the goal will be more set
in stone and you will be more likely to stick to it. Put the piece of paper
somewhere where you will see it every day. This way you will be 100x more
motivated to make sure you achieve the goal you have set and you are not just
saving aimlessly.
2.
ALWAYS PAY WITH CASH – Believe it or not when
you pay with cash you are less likely to spend as much money as you would if
you were paying with card. This is because when you are paying with card the
money is not physically there an therefore doesn’t really feel real and you
don’t really focus on how much money you are spending. Not to mention how easy
it is just swipe and you’re done! On the other hand with cash you can actually
see how much money you are handing over.
3.
MAKE A LOOSE CHANGE JAR – Im pretty sure
everyone has change that they got after buying something that they don’t know
where it ever ended up cause you just chucked it down. Trust me I know everyone
is guilty of having loose change just floating around BUT that will be no more!
Find an old jar or go and find a really cheap jar, it doesn’t have to be
anything fancy! (tbh mines an old olives jar) but make it pretty if you want to
and you think it will motivate you to save up more money, and then simply just
put every single piece of loose change in there (yes even those pesky 5 cent
pieces! They all add up!!)
4. START A SAVINGS ACCOUNT – Most banks give you
the option of setting up a separate account from the one you already have and
access all the time, this is called a “savings account”. Just go into your
local bank or even online for some banks and ask to set one up. The thing about
this which makes it so good for saving is that after you put the money in there
it is very hard to access it yourself unless you go into the bank.
5.
GET AS MUCH WORK AS YOU CAN – Now I know from
personal experience how extremely hard and annoying it is to try and find work
that will give you a decent amount of shifts or just work at all! But keep
persisting and trust me eventually you will find work, it may not be the best
work but you just have to take what you can get really!! Keep handing in your
resumes to places over and over to make sure they remember you. I know this may
seem like a bit of an obvious tip, but you really do just have to take what you
can get and just keep persisting – don’t give up!
6.
HAVE A SECHEDULE FOR YOUR SAVINGS ACCOUNT – make
up a calendar and write on it when you are going to transfer money to your
savings account from your normal account. I personally have found that this
works very well. Set a reasonable of money to transfer on a particular day. For
example I transfer $100 every Tuesday and Friday and I find this is a very effective
way to save money rather than just transferring money whenever you have it or
whenever you get paid.
7.
THINK OUTSIDE THE BOX – There are plenty of ways
out there to earn money other than having a job, you just need to know what
they are! Try online surveys, I know ‘opinion outpost’ is very good a
legitimate. If you stick to and and dedicate the appropriate time to it I’d say
you could earn about $50 a week. Or you could hand out flyers around your area
offering to babysit or pet sit, there are always people needing that! Another
option is doing chores around the house, I know not everyone’s parents are
willing to pay them to do chores – mine aren’t! but if you’re lucky enough to
be able to be paid for that I would not turn that down!
8.
LEAVE SPENDING MONEY – I know what you’re
thinking… no way I need to save every cent I get! Well yes you do need to save
the majority of it but if you leave yourself absolutely no spending money at
all it will be verryyy easy for you to get annoyed at the whole saving process
and you will be more likely to give up.
9.
BUDGET – having said my last point about having
spending money though it is vital that you budget budget budget!!! Stop buying
the expensive brands cause trust me there are brands which may not be as fancy
but they do the job and they are 10 times less expensive! Whenever you go to
buy something, don’t buy it straight away!! Think on it for a few days or at
least a week I find is the best way to decide if you really need the thing you’re
thinking of buying! You’ll be surprised at the amount of things you just buy on
impulse without even thinking about!
10.
TELL YOUR FRIENDS – Let your friends know that
you are trying to save money, not only will this make you feel more motivated
to save the money because you have told people that you are going to do it but
you can now also ask them if instead of doing social activities that cost a lot
of money such as going out clubbing or going to the movies you can sugget
staying at home and having a party at your house, or even just having a movie
chill night at home. It will be just as fun and save tons of money. However I know
that your friends are not always going to give up going clubbing or other
activities for you, which is ok, it just means that you may have a sacrifice
going a few times… it just depends how bad you want the money! Hahaha
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