By Robyn Goldfarb

Real Simple Money Saving Tips For Beginners
Real Simple Money Saving Tips Today

50 Ways to Save Money. Identify what you’re saving for. It may sound painfully psychological and generic, but this the #1 money-saving tip from Berna Anat, Financial Hype Woman of @heyberna fame. From cutting down on utility costs to saving money on every purchase, here are our best-ever ways (more than 90!) to save money. By Real Simple Editors July 07, 2020. The good news is there are plenty of straightforward ways to save money and breathe some fresh air (and fresh cash) into your budget. Here are 22 money-saving tips to help you tweak your spending and get on the fast track to saving money in no time. 22 Practical Ways to Save Money 1. Say goodbye to debt. If you are interested in more money-saving apps, we have several articles including: 20 Mint Alternatives; 38 Best Free Budgeting Apps 101 Apps That Save You Money; Save on Moving Costs. Moving is already expensive, especially if you are buying a house. Here are a few tips to keep costs down and save money when moving. Picture the Lifestyle You Want “Have a specific goal and envision the lifestyle you’ll be able to have if you stick to it,” says financial adviser Ric Edelman, author of The Truth About Money ($20, amazon.com). This will make financial cutbacks more palatable and keep you both motivated and focused on your goal.

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Parenting is tough

Parenting not only takes a lot of effort but it can be expensive as well. We all know how much we do as moms. We take care of the kids, we cook, we clean, we educate and we run our houses. Feeding our children healthy meals, providing entertainment, and, especially these days, taking care of their education.

Balancing the budget on top of all these responsibilities can seem like a truly overwhelming feat. Practicing frugality on top of everything else is a lot. To do justice to this topic I turned to the experts: the moms themselves. I asked 12 money-saving moms for their best tips.

As a mother of three myself, I know what it’s like to raise a family on a budget. Even if you are not on a super tight budget, you probably are looking for money saving tips to help you as a mom. How to earn money in pokemon go game.

Here are 12 awesome money saving tips for moms from moms!

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How To Save Money – 7 Tips That Make Saving Money SO EASY!

Want to know how to save money? Here are 7 genius tips that will make saving money so easy. More money for you yay!

Hey let’s have a quick chat about how you can save money and do it the EASY way.

So, first things first:

Do you struggle to save money?

At the end of each month, do you wonder where all your money went?

Perhaps you are spending way beyond your means?

If so, then this guide is for you!

I want to help you learn and discover how saving money is as much a product of the mind as well as your financial habits.

Speaking of habits, you’ll soon see how small positive changes, turned into habits, can automatically add up to big savings!

Are you ready to begin?

Consider these ideas for making saving money FEEL easy:

Real Simple Money Saving Tips For Beginners

HOW TO SAVE MONEY

1 – Track your spending.

The first thing you need to have when you are working on your money goals is full transparency about where your money is going.

No guessing here!

You need to record every penny you spend for a month.

Divide your spending reports into categories, such as entertainment, groceries, clothing, house payment, utilities, and other categories.

You might be surprised to learn where all your money went!

At the end of a month, analyze your reports.

Identify areas where you could cut down. Are there some categories where you are obviously spending more time than you need to? Make it your goal to cut down on those expenses next month and put the money you saved into your savings.

HOW TO SAVE MONEY

2 – Clarify wants versus needs.

There are certain things in life that you need to survive, such as food, water, clothing, and shelter.

There are called your needs.

You can’t live without them (without feeling super uncomfortable or your health suffering).

Then there are also the things that you want.

These are optional things, that if push came to shove, you could actually live without.

Your job now is to learn to differentiate between the two.

Real Simple Money Saving Tips Today

Once you have a clearer understanding that something is just a WANT and not a true need, you’ll automatically make some choices that will save you money.

HOW TO SAVE MONEY

3 – Buy only what you can afford.

You may think that you have to get every new gadget and fancy item available, but NOPE there is no rulebook that says these things are requisite for a happy life.

If you cannot afford it, you should NOT be buying it!

The financial struggles they cause (by purchasing something that you couldn’t really afford) will far outweigh the enjoyment that you receive from them.

Consider using the cash envelope method of planning for your spending.

Divide your expenses into categories and use a different envelope for each category. With each paycheck, divide out your money into the various envelopes.

Next, spend only the money that you’ve planned for each category. Once the cash is gone, it’s gone until more money can be added to that envelope. The nice, old-school way!

You may want to save for a few weeks to get enough cash in your envelope for a desired purchase, at which time, you’ll know that you can afford it. Less stress involved that way!

HOW TO SAVE MONEY

4 – Do you need that expensive car?

If you’re struggling each month to repay the high-interest loan that you had to take out to pay for your car, perhaps you’ll want to rethink whether you need such an expensive car.

The truth is you probably don’t.

Feel free to ask my dad, who reached financial freedom by age 49, without every buying a luxury car!

Maybe, just maybe, in some situations, you might need a more expensive car. For example, if you’re a real estate agent and you take clients to look at high end houses for sale, a nicer, less crappy car might help you make more sales.

On the other hand, in reflection, if you bought an expensive car (that you can’t even afford!) to impress the neighbors, you might feel that the additional expense and resulting financial struggles aren’t really worth it.

If this is the case, you can ALWAYS still downgrade to an attractive, less expensive car may work better for you.

Consider what a car is really for: the purpose of a car is to get you from one place to another, usually for short trips within your city. A less expensive yet reliable car can definitely get you there as well as a high-end car. Plus, you’ll have the extra money to do with as you please. Yay to that!

HOW TO SAVE MONEY

5 – Consider downsizing.

One of the biggest expenses we have as adults is our mortgage but did you know that a smaller home can save tens of thousands of dollars on the purchase price and monthly payments? </