In a perfect world, we wouldn’t need to trick ourselves into saving money, because we’re all grown-ups who have self-control, right?

Let’s be honest, whether its splurging or the unfortunate mishaps that require immediate funds, we could find areas where we can cut our costs and unnecessary spending.

Acknowledging that our self-control might need some work isn’t a bad thing. Try implementing some of these tips and tricks to help you become a super fine finance ninja!

Coin Jar

It may seem old fashion, but that change after you break a dollar can add up quickly.  That few extra $100 per year might not sound like much, but it’s far better things to be done with extra coins than losing them between the cushions!

Make Money Shopping

Numerous websites offer opportunities to earn cash back when shopping, whether online or at brick-and-mortar stores. One of the options I particularly like is an app that provides cash back for purchases at various participating stores. When you use your linked debit or credit card, you receive cash back. The participating stores vary widely, making it a versatile choice.

New Habits

Transform your routine. Instead of ordering lunch every day at work, pack a lunch on some days. Consider the unnecessary subscriptions you have monthly, and divert those payments into your savings account. What habits do you have that you can work on quitting to help save those extra bucks at the end of the month?

Check Your Home

You’d be surprised at how much you can save monthly by just cutting back on your energy bill. Caulk holes and cracks that let warm air out in the winter and cool air in the summer. Ask your local gas and electric providers for a free or low-cost home energy audit. This can lead to tremendous long-term savings. Learn the correct settings for your thermostat to ensure you keep your usage at bay when you away from home during the day.


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