How to Cut the Crap and Get Frugal to Save More Money – Now!
There comes a time in everyone’s life when they hit a savings or debt repayment cross roads.
You know you should be spending less. But the desire to buy things gets you every time.
You think the only possible way to build savings is by making more money at a better job.
So you search longingly through job boards for the perfect position and promise yourself that when you land the right job with the right money everything will fall into place.
Lots of income, lots of savings, and the high life.
That’s not how saving works.
If you wait for all the puzzle pieces to fall into place before establishing a budget or savings plan you are guaranteed to fail. You’ll just find more expensive “necessities” to spend money on.
Sure, you may not be making as much as you would like right now and that’s a good thing. Test how little you need to survive. Use this time to research what investments you want to make in the future when you are bring in more cash.
Then when you make the big bucks, you’ll have some practice in the game.
Money knowledge is just as important as the paper.
Still not convinced you can pay off debt or save with what you got? I honestly didn’t think so either. My salary is very modest and I even pay for my own health insurance outside of work.
I didn’t let that stop me.
All you need is a clear end game.
One goal to get you started. Mine is paying off my student loan by the end of April. I can tell you one thing, there will not be lobster tails or Sauvignon Blanc in our household this month!
But, I know the $0.00 on my My Fed Loan account will be even tastier.
During your journey, there will be temptation once in a while. You’ll want to splurge. That little voice in the back of your head will tell you to start saving next week, month, or year. Your circle of friends may try to convince you take a trip or spend a dollar you shouldn’t.
The answer to overcoming it is simple.
Cut the crap and GET HYPE!
Get excited! Get empowered!
Focus on how great you’ll feel when you meet your goal. Create a budget. Set up an automatic savings transfer each month, Digit is a super cool way to do so. (Check out my full review of Digit here.)
Dream about the secure feeling you’ll have when you have a few months worth of savings in the bank.
(And make sure your savings is in a separate spot so you avoid dipping into your piggy bank. Capital One 360 has a no fee, online savings account you may want to consider.)
Make a vision board of quotes that inspire your money saving. Post savings notes to yourself on your computer. Listen to music that motivates you!
I blare Drake music to myself to get in the zone when thinking, planning, and writing. Find something that gives you an unstoppable feeling.
Because that’s what you are! And it all starts with one step forward.
Although, you may be starting from the bottom you’re here! It’s your time!
— This post or page may contain affiliate links. Don’t worry, though. I only promote products that I’ve used or truly believe in.
Grab the productivity list
Subscribe to get the list and to get weekly Tay Talks Money Insider emails on saving and making more money... booyah!