Ways to Effortlessly Save Money

Money/Finances - Personal Finance
By: BNice    
03-Jun-2013

Introduction:Setting aside a small amount of money consistently can develop a growing savings account that can be used for future goals or needs. The important thing is to start a savings plan and consistently add to it regularly.

  • 01

    Save Receipts

    Ssve your receipts from shopping. Place the receipts in a safe place until you have the time to tally up the savings for your purchases.

  • 02

    Tally the Savings

    Review your receipts to determine the savings on your recent purchases. Whatever amount of money saved should be placed in your special savings container, a bank, soda can, jar, etc. If the amount saved is too much for you to place in your special bank at one time, write yourself an I.O.U. note and put the money owed into your special account at a later date. Mark the I.O.U. note with date paid. Doing this step, will allow you to keep careful accounting of your savings.

  • 03

    Save the Value of the "Cents Off" Coupons

    Whenever you use coupons, deposit the actual face value of the coupon into your special savings container. Another variation of this method is to place the amount of the "cents off" coupons into your account before you shop. That way, you won't forget to add your savings to your account.

  • 04

    Dollar a Day

    Even if you do not shop for a few days, discipline yourself to place $1.00 a day into your special savings account each day. If it is more convenient for you to save your dollars on a daily, weekly or monthly basis, do so. The point is to have $30 deposited into your special savings account each month. Establish a minimum amount that has to be in your account before you make withdrawals. Maintaining a minimum balance of #100 will help you to save consistently and keep you from making frivolous purchases.

  • 05

    Bank Sponsored Debit Savings Account

    Bank sponsored debit savings accounts will withdraw a designated amount of money from your checking account each time you use your debit card for a purchase. One major bank debits your checking account $1.00 each time you make a purchase up to a certain limit. If debiting $1.00 from your account will cause your account to be overdrawn, the amount will not be debited. The savings accumulate effortlessly and most plans allow you to deposit a specified amount monthly if you desire. Check with your local banks to see if it offers a debt savings program.




Final Thoughts

A regular, consistent savings plan empowers you to control your personal finances. The important takeaway is to find a way to save diligently and consistently follow a savings plan.




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