7 Achievable Ways Anyone Can Start Saving Now

Have you been wondering how to start saving now? I want to know how anyone can start saving now and how to get motivated. Wondering how someone like you, who has a busy life with financial obligations and commitments, can save money? You are not alone! Many of us want to save but don’t know how or where to begin.

It would help if you had a plan that is achievable for your situation. In this article, we will discuss 7 ways that anyone can start saving today!

With everything going on in today's world and how it will affect our future, having your finances in place is important.

With inflation going on and child credit being given each month to qualified, it is the best time to save money.

No matter the income, saving money is essential. You need to how!

Before continuing, know that your finances are unique and important to me, and others might not be important to you. Your saving plan should reflect you and your lifestyle, so please keep that in mind.

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 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. First, 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 of 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. Instead, 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 are 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. However, it is also important to know what annual expenses you need to save for when creating your budget.

You can also join Begin with a Budget membership to access tools and courses to help you 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 why you decided to start saving today! Please take a photo and put it on your phone as 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. But, 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 is the main reason we are broke and have a hard time spending money.

If you are serious about starting to save money today, you will create a plan to reduce your spending and 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 in 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 spending money on things you don't need. Therefore, 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.

• Ibotta
• Fetch Rewards (use code DK24W to earn 2,000 points)
• Checkout51
• Shopkick

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
• Use credit card to earn extra cash (of couse, pay your credit card balance every month)

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. For example, when I lost 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. Of course, making a small amount of money on the side to a larger amount 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 you can make money with online survey companies not as fast as you might think. First, it takes time, which means it is time-consuming.

Below is a list of legit survey companies:

• Inbox Dollars
• Inbox Dollar – iOS
• Nielsen Computer & Mobile – US
• My Points
• Survey Junkie – Must be at least 13 years of age

If you want to make money to the next level, start making money using your skills. For example, if you are a writer, start making plans to make money on the side by writing articles and selling them online.

To help you get 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. 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?

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