Skip to main content

Tips on Saving Money Day to Day

Ever since I was a kid I was brought up to be frugal and to save and budget money. * Disclaimer: I am not a financial planner.


Make a list of what you want to buy and how much it will cost

  • Make a list of what you want to buy
  • List the cost of each item
  • Do not buy anything until your list is complete
  • Add the costs together
  • Compare total costs with your budget

Take a close look at your budget, and make sure that you’re not spending more than you can afford to.

  • Take a close look at your budget, and make sure that you’re not spending more than you can afford to.
  • Make a list of what you want to buy and how much it will cost. Don’t forget to include the sales tax and other fees as well!
  • If something is outside of your price range, don’t buy it!

Give yourself an allowance

Giving yourself an allowance is one of the easiest ways to set up a saving system that works for you. In fact, it's as simple as giving yourself $5 a day to spend on whatever you want. This can be done in many different ways, but the key is that your allowance should be easily earned and easily lost (because if it's hard to earn or impossible to lose, it won't feel like much fun). As long as you know how much money will be available each day, then any amount will do!

To help keep track of what I am spending my "allowance" on throughout the week and month, I use an app called Acorns made specifically for this purpose . With this app , I can track all my spending habits by category (coffee shops/restaurants/etc.) so that when it comes time for me to save some money up again after buying something big like concert tickets or plane tickets home from college...I know exactly where all my extra cash went each month!

This way of thinking about our finances is one of many ways we could change ourselves for better financial well-being over time; however these tips are just beginning steps towards changing old behaviors around our budgeting practices which could then lead us down bigger paths towards creating positive changes within our financial lives.

Scroll to Continue

Get a part-time job

You'll be surprised at how much money you can save by working part-time. A job not only pays the bills, but it also gives you an opportunity to work on your skills and gain experience in different fields.

It's never too late to start looking for a job if you don't already have one! Make sure to fill out applications at places that interest you, and take any interview opportunities that come along. You may find yourself with a new career path within no time at all!

If all goes well and you land a position, there are still plenty of ways to make extra cash while working full-time (or even just part-time). Check out some of these ideas:

Make saving money fun

There are many ways to make saving money a fun game. If you're feeling competitive, try making a friendly wager with someone else in your household about who can save the most money each month. Or set up a reward system for yourself—once you've saved up for something, treat yourself with it! Since the goal of saving money is usually to have enough for larger purchases, it's important not to lose sight of this by overspending on smaller things that don't bring as much value or enjoyment into your life.

Another tip is to use budgeting apps if they're available on your phone. These types of financial tools help keep track of how much money is going out versus coming in so that there aren't any surprises later on when bills come due and there isn't enough left over after paying them off (or vice versa).


Saving money is often hard, but there are ways to make it more manageable.

  • Make a list of what you want to buy and how much it will cost. If buying something will mean giving up something else, be prepared for the tradeoff.
  • Take a close look at your budget, and make sure that you’re not spending more than you can afford to.
  • Give yourself an allowance each week—but don’t spend it yet! Set aside enough money for all of your expenses, then put the rest in savings or short-term investments like a high-yield savings account or CD (certificate of deposit). It might take some time to get used to this practice, but soon enough it will become second nature.
  • Get a part-time job on campus or off campus if possible; this way even if they don't pay well they still provide valuable experience while saving up money at the same time!


Saving money is a habit that you can build. It’s not always easy, but it will make your life better in the long run if you stick with it. Just make sure to be kind to yourself when things don’t go as planned—and know that every little bit counts!

This article is accurate and true to the best of the author’s knowledge. Content is for informational or entertainment purposes only and does not substitute for personal counsel or professional advice in business, financial, legal, or technical matters.

© 2022 Shanon Sandquist

Related Articles