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How to Save Money: A Simply Guide on How to Save Money

Get Approved for Your BHPH loan before You Walk into the Car Dealership / Apply Here

If you’ve ever been concerned that you just can’t save enough money, or if you just don’t know how to budget in general, then this piece is for you!! Let’s face it, with times being what they are, and with day to day expenses starting to add up to more than most people can handle, it’s truly time to make some changes. Yet, these changes aren’t drastic or overly dramatic, but instead they help to create awareness about spending habits, and over time they can help you save more. Thus, let’s dive head first into the world of savings through budgeting properly.

First off, I am not going to tell you how to live your life, and what you should be doing, or lecture you, because that’s not the point of budgeting, and it’s annoying when most financial gurus get in peoples faces about their money. Instead, I am here to be helpful and offer practical advice to help people recognize behaviors with their spending or areas of their life, where they could try and cut back on to save more. Thus, the first piece of advice is to create a list and divide it into two columns. Column 1 will be the necessary expenses, and Column 2 will be the optional expenses. Obviously column 1 will be filled with items such as; car and house payments, gas, food, phone bills etc….

However, with Column 2, try and see based upon your bank statement where you can cut back. The majority of the time people realize things that they did not realize before, such as; they ate out too much, they bought unnecessary clothes, or they spend too much on gas from unnecessary trips. Still, let’s say that the columns just aren’t for you, but instead you want to go right to your bank statement. If this is the case, take a highlighter and highlight all of the purchases you made that you could possibly eliminate, or cut back for the time being. You’d be surprised to see how much you can save, by just highlighting what expenses you can cut out; in some cases it can be $100 to $150.00 a week.

Now, $150.00 dollars a week may not seem like a lot of money, but in just one month, that’s $600.00 you can save. Furthermore, if you multiple that number times 1 year, you will have saved $7200.00 a year, and that money can really come in hand when you need it. The bottom line is to just stop, and try and recognize where you can cut costs and save money, and with both of these methods, you can be sure that you will save.