The easiest way to trick yourself into saving money is to have money automatically taken out of your check every pay period and put into a savings account. Think of the saying "Out of sight, out of mind". If you don't see the full amount in your account, you won't think about spending it.
2. Freeze Your Assets
Maybe you have heard of people freezing their credit cards, but I'm talking about freezing your debit card and using cash only. This makes you have to go inside the bank to take out money. To make this work even better, you should have your bill payments automatically withdrawn from your checkings account. Doing this should make it easier to stay on target with your budget which in return should help you save money. It's easy to overspend when you are just swiping your card.
3. Toss Your Change
After every purchase, toss all of your change in the bottom of your purse. At the end of the week, collect all of the change and put it in a piggy bank to save. This works because it takes extra effort to dig out that change in your purse. So decide to just break another bill and toss the change.
4. Make Lower Denomination Bills Forbidden
Stop using $1 or $5 bills, or better yet, stop using both of them. Every time you get a $1 or $5 bill keep it. Save up all those bills and you've got yourself a nice little savings at the end of each month.
5. Sub Coupons For Dollars
Most people don't look at coupons as money, but coupons are used exactly like dollars. For every dollar in coupons that you spend, you can save that amount in actual dollars. If you change your mindset to think of coupons equal to money, then you will work harder to find and use them.
Click HERE to see how I store my coupons.
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