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Take a note and list all your expenses for the month and take a look at what you need to potentially cut back on or remove completely. This makes you understand how much money you have to plan with every month. It makes you know where you are really spending money on and to cut the excesses. Budgeting makes you think twice before spending, and it helps you to plan ahead. With the monthly budgeting, it helps in self-control most times and reminds you that you can’t go beyond your budget in certain things you need to buy or hope to spend money on.
Before buying anything review the best deals at an affordable price before buying any product or things you need. You can visit more than four to five stores to look for the best deals for that particular product or things you need to buy and in doing so, one of the stores will sell at a better price that suites you and help you save more money.
Going cashless will allow you to control your spending, it empowers you to handle your budget well. Payment cards through banks such as  MasterCard, verve and other allows you to carry out banking transactions safely without the need to carry cash around.
Think of ways to better your future financially and grow your earnings. develop your work and financial skills. You can make your future better and create plans to achieve your set goals and how you can use money to achieve most of these goals. Think of ways to make you money make more money for you while your mind is at rest and you stress less about monetary issues. Think of your side hustle, real estates, investments and a few others that puts more money in your pocket.

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Don’t get caught up in debt, look for ways to settle your bad debt on time. Look for ways to increase the amount of money you save every month until your debts are settled and grow your savings by increasing the percentage, maybe from 10% to 20% monthly or even more if you want to be a little hard on yourself to achieve your financial or future plans.
The first areas of your financial life should be paying attention to your retirement savings. But most people still aren’t saving enough or putting plans in place for their retirement. Through your employers, you can create retirements plan or work with a financial institution to set- up one which you put a certain percentage into monthly

Once you start pay yourself by saving certain percentage, you grow in confidence and have a level of financial safety than before. When you start paying yourself, you experience a change in the way you think about your salary and money and even look for ways to grow your savings and make more money. It’s about making yourself feel you can spend less and pay yourself more. With time, you adapt to this new habit and get used to this new pattern and breaking away from an inherited old that makes you worry most times financially.





RAWLINGS BLOG is about finance, business, short-stories, technology, biography,motivation and personal development. email:Rawlingsunday@yahoo.com FB: Rawlings okpaloafe twitter:Rawlingsunday watsapp:+2347011832778
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  1. Vicki says:

    Talking money always seems like such a taboo subject, thanks for the advice. I really like the New Habit point, seems like a great approach.

  2. Chander_Ajay says:

    This is really a good stuff for anyone to save the money . Budgeting properly before spending is a right way to reduce this issue.. ! good info

  3. Binod Elance says:

    Good post help me alot. thank you

  4. wanderries says:

    These tips are so helpful. I always try to save money, but never had the success. I’ll try it your way. 🙂

  5. Liz A says:

    On point tips. One thing I do to identify the biggest chunk of expenses is to list down all the expenses, up to the last cent, I have everyday. It’s tedious but in 6 months’ time, I was able to see the trend of where my money goes. It also gives me visibility of where to adjust my budget so I can maximize my savings. 😊

  6. Nice tips for saving money.. By this tip anyone will have secured future…

  7. tararaquelfuller says:

    i am so not a good saver – my husband is. these tips are super helpful!

  8. chelseyhorne says:

    Great advice! Thanks for sharing!

  9. ModestyBySarah 💋 says:

    Excellent advise as the holiday season is coming up! Very handy tips 🙂

  10. These are all good points. I budget but I definitely need to find better deals. Thanks

  11. Currently working on getting my side hustle together. Just a few extra hundred dollars a month would make a big difference.

  12. Komal says:

    I’ve always been a saver. I always wanted to travel so I started saving as soon as I got a job. Restraint is a big factor. You need to keep your eye on the prize and not give into temptations. Great advice 🙂

  13. Brittany says:

    This is a really good resource for people! Thanks for taking the time to write a post about saving money!

  14. carefreespiritfairy says:

    Great tips on saving. It’s okay to give yourself a little treat though

  15. Really great tips on how to save money efficiently. but don’t you think everyone thinks about saving but then suddenly they are empowered by this will to buy something that they want. i mean how do u suggest people stop that?

    • Its boils down to your DECISION. Also being able to differentiate between your NEEDS and WANTS. Being able to delay gratification for financial freedom and introducing a level of discipline and committment to letting your YES be NO and NO be NO

  16. Jael says:

    Great post! I need to follow some of these tips.

  17. Lovely goals I️ aspire to build my saving in the year 2018 so I️ can have that comfort of knowing !!!! Thank you for sharing !!! You gained a follower with such witty reading ! Great tips

  18. Nina says:

    This blog is very useful since it speaks about money. 😃 I like the tip about looking for the best deal and saving up as a new habit. Also budgeting is very helpful so you know where the money is going.

  19. It’s dam important part of the life to save money for future

  20. Vlad Vaida says:

    Having a plan & a monthly budget helped me save a lot of money!! Thanks for the other tips 🙂

  21. hleguilloux says:

    I have gone cashless without even realizing it but it’s so much easier to track your spending since you now have a digital record and also it pays you back with a cashback card!

  22. Thank You for the excellent advice !!!

  23. adeasnarrative says:

    I really believe in saving, yet not too much. I also feel that one should enjoy their earnings and live a more fulfilling life. I know saving can often drain a person because you sort of feel like you’re just working for something you may not even get to enjoy. Anyway, good tips on saving, I’d add that you should also have some clear cut goals as to why you’re saving – to make it worthwhile.

  24. AmberLynn says:

    I do a couple of the things on the list, and circumstances arise as soon as I get to a good savings goal. Happens every time, but I’m going to get back on the horse and try again.

  25. Omg I really needed to read this article ! I can almost never keep my savings !

  26. some times it can get all over whelming. so true i think once one starts by looking at what they spend on through out the month , it will help to spot one goes wrong, then start cutting back. I will try this to get a clear picture of my spending. Also deals is such a good idea. Always avoid paying more when you can pay cheaper…. thanks for this

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