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15 Simple Money Saving Tips You Don’t Know

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I have maintained a money-saving lifestyle for more than 20 years. At times it has been because I have had to due to income levels. At other times it has been because my husband and I have been focused on either a long-term or a short-term financial goal. For instance, our long-term goal was to payoff our mortgage by the time we were 40. A short-term goal would be something like paying for his college in cash. What about you — do you find yourself wanting to have more money? In all honesty, there are probably some money saving tips you don’t even know about.

Some of these tricks are things I’ve simply learned throughout those 20 money-saving years. Many of these I discovered by trial and error or life experience while some were tips I learned and then modified to fit my situation. As you can imagine, this took time. I did not have all of these tricks at once.

The good news for you is that by the time you’re done here, you’ll have all 15 of these money-saving tricks all in one place.

Even better, I have a 5 day Budget Bootcamp that will kickstart your money-saving skills. It has been proven that people who have a written budget have more money than those who don’t. Join this free email challenge by entering your email below.

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The truth is, when it comes to saving money, most people aren’t born just knowing how to save money. So, if you find yourself wanting to save money but aren’t sure where to start, you are in good company. No one just knows. Everyone must learn.

This is why I’m so excited you’re here. There is nothing better than helping other people just like you keep more of their hard-earned money in their own pocket rather than in someone else’s pocket.

I think the best news is that these things aren’t hard to learn. And, they really aren’t all that hard to do, either.

So, here are the simple money saving tips you probably don’t even know (until now!).

money mistakes you're making

(this post may contain affiliate links. If you make a purchase, I may receive a small commission at no cost to you)

1. Know everything about your money

This includes everything from creating and living with a budget, reading financial statements, receipts, and bills line by line, to reading reviews and researching products before purchasing them. People who are good with money are diligent in knowing what is coming in and what is going out.

This really is nothing more complicated than a budget. And a budget is exactly what you will have in 5 easy steps with our Budget Bootcamp right HERE.

2. Create financial goals

Just as establishing life goals, creating financial goals is extremely important. This includes short-term, long-term, and even medium sized financial goals. But, gliding through life without a financial target to shoot for creates the high likelihood that your money will be not be going anywhere good.

After all, if you’re not telling your money where to go, it’s not ever going to get there.

This is something I help people do in my money saving community. And, it’s the most fun step!

budgeting help save money

3. Stop emotional spending

Just as we can easily stumble into being emotional eaters, we can also stumble into being emotional spenders. This happens when we feel some sort of negative emotion and then attempt to offset that negative emotion by buying something. Not only does this not work, but it can also get in the way of living a frugal life.

We try to spend our way into being happy. Maybe like me you’ve tried it, but also like me, you’ve probably found that it doesn’t work.

4. Stop spending money in reaction to something

Closely related to being an emotional spender, a reactive spender is one who spends without thinking for various reasons. It could be because they’ve found a great deal, envy has gotten the best of them, or they would rather just buy something to meet a need that could be met in another way.

If you find yourself in any of these scenarios, no worries.

Now it’s time to recognize this as a problem and stop doing things this way.

5. Recognize that money can’t meet your needs

This idea is illustrated by someone who spends money because they are feeling as though they are lacking in something somewhere else.

For instance, this could be a woman who finds herself in an empty marriage. It could be a person who is lacking in self esteem for one reason or another. This could also be someone who needs to take action on certain things but chooses to spend money instead.

You have needs. I have needs. We all have needs.

Money simply can’t meet them all.

6. Create healthy relationships

Having healthy relationships helps us avoid the situation above. However, if you have been alive for any amount of time you have probably learned that one has to be intentional in order to have healthy relationships.

Relationships need to be watered, fed, and tended to on at least some level on an ongoing and consistent basis.

When one has healthy relationships, those relational needs are being met. This allows us to be healthy in other areas of our lives as well, financially speaking as well.

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7. Learn new things

There are so many ways that learning new things can help us maintain a money-saving lifestyle. We could learn how to fix things or how to take on projects on our own among other things.

Learning new things can be accomplished by reading, taking a class, or talking to others, too. Continuing to learn new things makes like exciting rather than boring.

For this reason learning new things is a large step in living and maintaining a money-saving lifestyle.

8. Learn how to say “no”

Sometimes we have to say no to others and sometimes it is having to say no to ourselves. Some can easily feel pressured into spending money they don’t have because it is just easier than saying no.

However, not being able to say no can really get in the way of spending or not spending money wisely. You could be spending money you don’t have just to make someone else happy.

This is not a good idea

9. Pay yourself

This refers to saving money. If you put money into savings based on what you have left at the end of the month, most times you’ll find your savings growing at a snail’s pace. If at all.

Money smart people pay themselves, and they pay themselves first thing.

You are important.

You deserve to keep your own money.

budget save money

10. Focus on the big picture

Life is full of struggles, but even in the midst of them, don’t lose sight of where you are going. During some of the deepest financial valleys, it has been hanging on to the big picture that has gotten me through.

Create financial goals and then never lose sight of them no matter how slowly you are getting there. Progress is progress. Just keep moving forward, even if it’s only one small step at a time.

11. Look at saving money as a part-time job

It has been this viewpoint that has kept me on the frugal path countless times. Being frugal is a major way that I can contribute to my family income without actually earning a paycheck.

I am always telling people in my money saving community that saving money means that you’re trading your time for money.

But, isn’t this what you’re doing when you go to work?

This is exactly what you’re doing when you go to work. You are trading your time for a paycheck.

If you have worked on saving money at all, I am sure you are aware of the time it takes. When I cut coupons, shop sales, and thoroughly research something before buying it, I am putting a lot of hours in.

Doing these things and more easily add up to a part-time job, but the paycheck is pretty awesome.

And, who doesn’t want to be their own boss, anyway?

12. Pay cash

The truth is, using a credit card is so painless – especially when you are using that credit card online. You don’t even have to leave the comfort of your pajamas or of your couch while spending a ton of money.

This gets most people in a lot of trouble.

money saving secrets

Using cash ensures that you actually have the money to make that purchase. If you are committed to paying only with cash, you are automatically being intentional in the money you do and don’t spend.

13. Speak up!

This could be applied in numerous ways.

Money-wise speak up if they are wrongfully charged for something. They also speak up to ask for help, wisdom, or advice. Money smart people also speak up when it comes to asking for customer service when it is warranted.

As long as words are being said in a kind way, speaking up is a good thing.

14. Move on

Money-wise people know when to cut their losses and know when to move on.

This could be a business risk of some kind, a business venture that didn’t turn out, a financial goal or commitment that just isn’t in their best interests anymore, and so many other things.

As hard as it can be to give up on a dream or on something that you’ve invested yourself in, there comes a time when it is just time to throw in the towel, especially from a frugal standpoint.

Doing this can save you a ton of money.

15. Live on less than you make

Plain and not so necessarily simple.

Do you even know how much you make?

Again, another reason that creating a budget is so important.

This is one of those things that is so easy to agree with in theory, but yet so difficult to put into practice. This is especially difficult with income levels that fluctuate, but living on less than you make is a great money-saving habit to internalize no matter how much money you make.

If you are looking to adopt a frugal lifestyle, these 15 tips are an excellent place to start.

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  1. This is a brilliant post. Living on less than you make can be challenging, especially when their is peer pressure to constantly make more money, move to a bigger house, keep up with the Joneses. People have to decide what is enough level of income that sustains basic needs and wants.

    Another habit to save money could include limiting exposure to advertising that constantly bombards us with messages to overspend.

    I just thought to add a few thoughts. Thank you once again!


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