4 ways on how to save money if you’re bad at it

20 October, 2023 / words by IALH Editor

Saving money can be a struggle, especially if you’re not the most frugal Hun but there are ways to break through the “spending all your cash before the next paycheck” habit and build up that pot if that rainy day ever comes. We wanna help you out by giving you 4 easy ways to save money and help you get to you saving goal.

The Set-It-and-Forget-It Approach

If you have a habit of spending whatever money you seem to get your hands on, then this tip is your savior. Set up a standing order from the account you get paid in to a savings account on your actual payday. Make sure you choose an mount you can comfortably manage so you’re not tempted to tap into your savings account. You’ll be amazed at how quickly these small contributions can add up over time. It’s like tricking yourself into saving without even noticing it. If transferring if to your savings account is too close in proximity meaning you have too much access to it, send it to someone you really trust to keep hold for you.

Embrace the Envelope Method – Cash is Your New Best Friend

Seeing money on your screen digital sometimes can make it feel a little bit like it exists in an augmented reality. Sometimes it feels a little like a game where you swipe swipe until balance is a 0 but it only ever feels real when the balance is at 0! Maybe it’s time to try the good old envelope method. Allocate a specific amount of cash for different spending categories, like groceries, shopping, and eating out. When the envelope is empty, it’s time to rein in your spending until the next budgeting period. This approach can help you stay accountable and avoid overspending because seeing that cash diminishing from your eyes will make things that little bit more real

Create a Fun Savings Challenge

Turning saving into a game can make it that little bit more effective. Set a monthly or weekly savings goal and challenge yourself to meet or beat it. You can even involve an accountability partner to make it more fun and competitive. Reward yourself when you hit your targets so you’ve got incentives to keep you going, but remember, the reward shouldn’t undo all your hard work – were not saying it’s time to ball out on a Birkin!

Prioritize Needs Over Wants

It’s easy to splurge on wants rather than sticking to your actual needs. If you’re serious about saving, learn the fine art of saying ‘no.’ Before making a purchase, ask yourself, “Do I really need this or is that something that I want?” If it’s a need, go ahead (within reason). If it’s a want, challenge yourself to wait 24 hours and realy think about it before making the purchase. You might find that many wants lose their urgency after a day of contemplation.

Remember, there’s no one-size-fits-all solution when it comes to saving money – everyone’s financial situation is different, and it’s important to find what works best for you and your lifestyle. The key to saving money is finding a method that aligns with your habits and lifestyle. So, embrace the challenge, don’t be too hard on yourself if you have little hiccups along the way remember, you’re just a girl!. Financial success is about progress, not perfection.


IALH Editor


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