Money. It’s one thing that makes the world go ‘round, even if no one wants to admit it. Unfortunately, the fast majority of people in the world are terrible at saving money. Have no fear because even if you are terrible at saving money, there are small ways you can get creative in order to save. Maybe you have plenty of money to save, you just don’t know how to get it done. I’m going to show you how!
Are You Terrible at Saving Money? Get Creative!
Put your money in separate savings account.
Basically, I’m telling you to trick yourself. Whether you have direct deposit or a check, you can easily trick yourself into saving. Have part of your check direct deposited into a specific account OR take $20 each week and put it into the “secret” account (it’s not really secret, but you’re terrible at saving money, so you have to tell yourself that).
Save that spare change.
No one likes change (coins), but there is one truth behind all those nickels and dimes, they really do add up. If you can save your change, you are saving money. Just the other day, I took a handful of change rolls into the bank and I exchanged it for a $20 bill! It actually paid for our lunch. So, even if you think you’re not saving money when you save that change, you are!
Sell old items and put back the money.
If we can all agree with something, no one is leaving earth with their possessions in hand. In the meantime, put a hold on buying things and sell the extra items that you do have. When you sell an item, don’t put the cash in your pocket, put it in your savings account. This is great for many people because they don’t have to try and save money out of their paycheck (yes, this is a struggle for many people).
Use what you have around the house.
So many people are terrible at saving money. They just do not have a money saving bone in their body. With that being said, you don’t have to go to great lengths to save money all of the time. Something simple that you can do around your house is to use what you have. I bet if you were to look in your cabinets, you’d be surprised as to what you may find. You may find things that you currently need and because of that, you won’t need to go to the store to buy that item. While this may be a small way to save money, it really does help.
Have someone else control your savings.
If you are that person that can’t save a nickel to save their life, you need help. This is the route to go only if you have tried saving money in every other way. It may be time to put your spouse in charge of saving money. If your spouse isn’t great at it, you may need to seek help from a financial advisor or a trusted friend. There are people out there who can help you save money; you just have to give it a chance.
Ask for a raise.
If all else fails and you can’t possibly save any money, it may be time to ask for a raise from work. Only do this is you’re serious about saving this money. Most workplaces are more than happy to accommodate their hardworking employees. If you’re late and careless though, you might want to get these things under control before you seek a raise from your employer.
What are some creative ways in which you have been able to save money? Sometimes increasing your income is the only way to start saving. My best advice is to not squander money, though. Put it away, so you have the cash you need for the things you want later in life.