Save automatically through a monthly transfer from checking to savings, ideally soon after you are paid. What you don’t see, you probably won’t miss. These savings will provide funds for emergencies, home purchase, school tuition, or even retirement. Almost all banking institutions will, on request, automatically transfer funds monthly from your checking account to a savings account.
Make a Budget
A budget is like a diet for your money. You make one by figuring out just how much you make each month. Then, based on that figure, you work out how much you can afford to spend on different things – housing, food, transportation, and so on. Once you know what you can afford to spend in each category, you try to stick to those limits every month.
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Track your spending
First things first. If you want to save more money and spend less of it, you have to know where that money is going in the first place. Online budgeting tools like Mint, You Need a Budget, or Personal Capital make it easy to track your spending.
Read the fine print. Review your bills carefully, including your credit card statements. Errors in billing cost customers millions of dollars each year. Also, in this new age of warranties included with every major purchase, read the fine print carefully, and buy only what will be valuable for those products most likely to need service.
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