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Saving Money

Saving money is an essential part of life, something that we all should do as much as possible.  It’s also something that we NEED to do in order to obtain certain important things, such as a home, a car, or retirement.  Yet it is something that thousands of people struggle to do for several reasons.Piggy Bank Savings Jar

Why is it so hard to save money?

Saving money comes down to one basic principle, “Making more money than you spend.” When it’s put that way, it seems so simple, yet why is it so difficult?

Main Problems of Saving Money

The difficulty of saving money will of course vary from person to person, but these are the main reasons people have problems saving money.  Regardless of who you are, these should seem familiar to you…

  • Spending the extra money that you have on random unnecessary things
  • Spending more money while shopping than you planned
  • Putting your entire pay check toward bills

The list goes on and on.

Tips for saving money!

I got my very first job when I was 18 and I had more money coming in than I had ever seen in my life, (now it doesn’t seem like so much)  and the main thing that I wanted was a new cool looking car.  Despite the fact that I had a ton of money coming in, I still couldn’t save up the money for a $3000 down payment on the car that I decided that I wanted. So I devised a plan in order to save up the money in a reasonable amount of time, stuck to it, and was able to get my car in just 3 months!

(1) Make a plan!

It’s really difficult to save up money when you are just saving money whenever you feel like it, but if you make a plan, and make an effort to make a habit of sticking to it you’ll save plenty of money in no time.

Saving up $3000 in three months may seem like an impossible task to many people, but it’s not so hard if you break it down like this.

$3000 means $1000 a month for 3 months. $1000 a month means $250 a week for 4 weeks, $250 a week means roughly $34 dollars a day.

All I needed to do was to save an extra $34 a day in order to go and buy my new car in just 3 months, which was not a difficult task for me at the time.

Now I know what you’re thinking…there is absolutely no way you can cut $34 dollars out of your daily budget, which may be true for you, but the trick is to take the time to set a reasonable, yet challenging goal and set a plan into action in order to achieve it.

You may not be able to cut out $34 a day for 3 months, but what about $17 a day for 6 months? Or $9 a day for 12 months?

The small things can really add up.

(2) Cut out some small things!

I know many of you have probably heard someone say to find something small that you spend money on often, and cut back on it.

You may have heard the cup of coffee example.  If you stop going to Starbucks every morning to buy that cup of coffee, you could save $5 a day. ($1,825 a year)

That’s the way that I actually have saved up a lot of  money… but it didn’t work at first and here is why.

I stopped going to Starbucks for my morning coffee, which saved me about 5 dollars right? Well not exactly.  The $5 a day ($35 a week) was just disappearing into the various other things that I bought throughout the week.  Yes, I had extra money, but I increased the money that I spent on everything else, without even realizing that I was doing it.  The “lack” of extra money made me give up on my attempt, and go back to coffee.

But I eventually tried it again with a different approach…and it worked! 

There was one little adjustment that I decided to make, and before I knew it I was building up a savings.  The only thing that I changed, was the fact that I would throw $5 in my piggy bank (old shoe box) every morning before I went to work.  The fact that I could physically see the money that I was saving, and be able to watch it as it grew week after week, gave me the motivation to keep saving.

Eventually I just got into the habit of taking $70 out of every one of my biweekly paychecks.  Now it just feels like I’m rewarding myself $35 a week for not doing anything, because it’s not even difficult anymore.

Now I’m sure for some of you, cutting out coffee just isn’t an option, but the overall trick is to find that one thing that you spend $5 or $3 or $7 on a day, and save that money instead of spending it on something that you don’t really need.

If you can’t find that little thing that you’re willing to give up, that’s okay too, because you have another option.

(3) Make a little extra money!

I hope that now you have an idea of how a little bit of money can go a long way in some time.  Now think about cutting out that $5 a day by quitting coffee, while simultaneously earning an extra $5 a day by doing something else. ($10 a day = $3650 a year!)

Now I’m sure that there are plenty of ways to earn extra money like, shoveling driveways, racking leaves, mowing lawns, and other things like that. But that is not the method that I’m going to recommend.

Make money online!

The number 1 way that I recommend making extra cash is to do it online, and there are a lot of ways to do it.

  • You can sell some old items that you own on Amazon or Ebay, or you can even search for discounted, and clearance items at various retail stores, and sell them for a profit online.
  • There are plenty of sites that will pay you to do various tasks.
  • You can also fill out surveys

but my MOST recommended way to make extra cash online is called Affiliate Marketing

This is the way that I have been making extra cash on the side, and the amount that I am making has been steadily growing. (it’s much more than a few extra bucks)

You may be wondering what Affiliate Marketing is… it is essentially just promoting other people’s products online, and making extra cash every time that you get someone to purchase something.  It is something that is free to get startedand you don’t have to have any products, ship anything, or spend hours filling out surveys for a few cents a piece.

The best part of Affiliate Marketing is that you can promote anything that you want to promote!  That means that you can make money by just putting in a little bit of time each day to talk about something that you love to talk about or do.  Literally any hobby!  There are hundreds of items that can be promoted for just about anything that you can think of.

Where to start

The place where I began is called Wealthy Affiliate, and I recommend that you start there as well if you want to begin making extra money to start saving.  At Wealthy Affiliate they have step by step tutorials on where to start and they walk you through the entire process of becoming an Affiliate Marketer.  Not to mention that there is an entire community of people there to answer any questions that you have.

It is 100% free to sign up, and you get 2 free websites, that they completely walk you through setting up, customizing and building out to begin making extra money! You can literally have a website set up in minutes.

You can click here to get started for free 


  • Make a saving plan that is achievable yet challenging, and stick to it!
  • Find something small that you do often, cut it out and save.
  • Make a little extra money online

Just do those three basic things, and you will be saving up plenty of extra money before you know it!

If you have any questions at all, feel free to leave a comment or email me at and I will be sure to get back to you!


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