TayTalksMoney: Money, Lifestyle and Productivity
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How to Cut the Crap and Save Money – Now!
TayTalksMoney: Money, Lifestyle and Productivity

How to Cut the Crap and Save Money – Now!


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*This post may include affiliate links. We get a commission if you sign up with a partner; this commission is at no cost to you.

(Last Updated On: February 25, 2019)


There comes a time in everyone’s life when they hit a money crossroads.

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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 it works.

If you wait for all the puzzle pieces to fall into place before budgeting or saving you are guaranteed to fail. And when your income increases (which it will) you’ll just find more stuff to spend money on. Sure, you may not be making as much as you would like to right now and that can be a good thing.

Use this time to research the investments you want to make in the future when you are bringing in more cash because knowledge about money is just as important as the green paper.

Still not convinced you can pay off debt or save with what you got? I honestly didn’t think so either.

My salary was very modest when I started off paying debt and I even paid 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 was paying off my student loan almost three years ago to start a business. I can tell you one thing, there was no lobster tails or Sauvignon Blanc in our household for a while! But I knew that the $0.00 balance on my loan account would 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 to 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. Post inspirational notes to yourself on your computer. Listen to music that motivates you! I blare soca music or dancehall to get myself in the zone when scheming and plotting. Find something that gives you an unstoppable feeling.

Because that’s what you are!

And it all starts with one step forward. 

Ready to check out some more posts on getting your money together? Check out these next:

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View Comments (24)
    • Thanks for stopping by! Totally agree… without music I’m a zombie. Especially between the hours of 7-10

  • Thanks for the motivating post! I think having goals – especially big goals – can motivate you to start getting your finances under control. It’s a bit ridiculous but I would love to have my finances set up in such a way that I can go to Hawaii once a year. I think it would be an amazing ‘getaway’ to go to every year. But it’s not realistic with my current finances, so I’m hustling as much as I can to turn my finances around to accommodate those trips down the road!

    • Thanks for stopping by! I don’t think that’s ridiculous at all. We all deserve a get away each year as something to work towards. If I didn’t set my student loan pay off goal for August 2014 I doubt I would have even tried to pay it all off this year. And I’m about to do so 4 months earlier than schedule. Once you have the motivation skies the limit!

  • Our only debt is our mortgage, though it is a large debt and it’s still debt! I have struggled with saving more in the past, and I find re-focusing in on my goals (like your vision board idea) is really helpful to get me back on track. Sometimes I just get lost in the day-to-day and forget what I’m working towards!

    • I feel you! If I can’t visual my goals each day I get super distracted. Only having mortgage debt is something to be proud of! I’m scared that once I pay off my student loan this month the money will just evaporate. I’m going to try my hardest to not let that happen!

  • I have myfedloan too! I have some super low interest loans in there (below 2% as they’re prior to 2006) but all the high interest debt in them will be paid off by mid 2015. I think the hardest motivation for me sometimes is when work gets stressful and I don’t want to cook when I get home. I’m working on getting better about cooking dinners for the week on Sunday so we don’t fall prey to the cheap and unhealthy Chinese food dinner on the walk home.

    • Myfedloan sister 🙂 You READ my mind.. I’m having the same problem with not wanting to cook after work lately. I usually jump into writing and don’t feel like cooking. I may borrow your idea to cook on Sundays. That will save me a lot of money and help me lose some extra pounds.

  • There are two ways to increase your cash balance: increase income or decrease expenses. Its amazing how many people forget that decreasing expenses will easily increase your leftover money each month!

    Love the idea of getting pumped up and hyped!

    • I totally agree Ben and I’ve seen it time and time again. An income increase does not mean more money to play around with… if you view it that way the extra dinero will go down the toilet!

  • Nice motivational post. If you stay hyper focused on your goal to pay off debt, more than likely you will achieve it. I know hate is not a good thing to have, but it also helps to hate your debt and realize what it’s doing to your life. It is literally cutting off your choices to so what you want. Imagining life without debt puts a big smile on my face.

    • I love that… if you hate anything enough you’ll make a change! And boy do I hate my debt! Thanks for stopping by 🙂

  • The day I finally had my “oh crap, I gotta get myself out of student loan debt” moment was when I used the loan calculator and figured out I’d be paying my loans at the same time I was sending my kids to college (and I don’t even have kids yet). That fear combined with a healthy dose of motivation and sacrifice fueled my fire. I also kept a debt paydown poster on my fridge and every time I paid down debt I filled in my “debt thermometer”. Great post.

    • OMG yea that would definitely jump start to take action! I’m sure a lot of people are in that same bought and don’t know it yet. I love the idea of a debt thermometer!!!! I think I’m going to borrow that idea for savings.

  • I call that lifestyle goal. Have a clear lifestyle goal and the financial goals that are tied to them. Sometimes we dream of living of being free to explore the world but we’re so focused on buying a house, buying a car or landing that high paying job which takes us away from actually achieving the lifestyle goal.

    • Totally true. It’s so important to work towards your dream goal and recognize that everything in life is a step on the journey… that promotion is giving you the funds to live your dream not define you. When we get stuck in the financial goals without the end game that’s a sure fire way to be unfulfilled.

  • I think it’s much easier to think of excuses for not saving money than it is to think of solutions for how you can make it happen NOW. This is especially true of an emergency fund, which should be a priority over making additional debt payments. Thanks for sharing and getting me pumped to save!

    • I do see your point. I do want a lot of things, however usually once I make up my mind to skip a purchase I can stick with it. It also has to do with your endgame… sure I may be delaying consumption, but it’s in hopes to spend it on something I need and retirement rather than just what I want right now.

  • I actually have a page in my office with my favorite quotes. They do inspire me to do better and remind me why I work so hard to begin with.

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