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Do you ever feel like you’re spinning in a financial crisis circle?
The bills are coming in and the money is going out and you really, really want to save…. Whether you are just wanting to save for a weekend away or for a down payment on a house or for your child’s college fund. There just seems to be no money.
This situation is all to familiar for many. With the costs of things going up and income staying the same the amount of money people have to save is minimal.
But if you clear away the financial clutter there is money to be saved…
Even in the hardest of times there is money to be saved. Have you started a budget? If you haven’t I wisely suggest looking into You Need A Budget they have an amazing program that compiles all your bills, your income, your goals and your savings. The average person using YNAB will save $200 within the first few months of using the program. Where there is a will there is a way.
10 Reasons You’re Broke And Can’t Save Money
- You aren’t using a budget
- You are spending more than you make
- You are trying to keep up with the Joneses
- The skinny no foam latte you bought for breakfast all week
- The three meals you ate out this week total a months worth of groceries
- You grocery shop with no list, no meal plan and hungry
- You are brand specific and don’t shop sales or cut coupons when it comes to groceries
- You have 10 apps on your phone you pay for monthly but you don’t use them
- Your cellphone, cable, internet and utilities are all costing you way to much
- You own or rent a house that costs way to much, making you house poor
And believe it or not these are just the icing on the cake of why you or people you know can’t save money. Think about it look at people sitting across from you why can’t they save money or what about your neighbor two doors down why can’t they save money. Now why can’t you save money?
Are your kids in before and after school care and have three evening activities a week that cost you money? Are you commuting more than a hour to work everyday? Gas, classes, child care, time it all adds up. We have made our lives so busy and so full of stuff that it is costing us our savings.
How do you fix it?
You learn to live within your means. You learn to use a budget. Even if you hate the word budget – you learn to use it. You Need A Budget is easy and you get a FREE trial. Check it out, you will be happy you did.
You also learn to live more frugally. Live more simply. Stop trying to keep up with the Joneses (they are broke anyway). Learn to live with less. Cut back the eating out and the coffee runs. If you can cut back on the activities. Downsize to what you can afford.
Start living the life you want to live. If you want to save money do something about it. Even if you just start small, grab a jar and fill it with all your loose change for the next few months and put that money right into savings. Every penny counts it will add up.
My best suggestion to get out of the financial drive you crazy, stress you out money can’t save circle is to start a budget and cut back where ever you can. If you need some inspiration checkout the 21 Things We stopped Buying To Save Money. Honestly we stopped buying all these things and more and we saved money. I also started cooking and baking from scratch and that saved us a huge amount of money $200-$300 a month. Small changes will produce big rewards.
If you are looking to add more money to your income checkout 50+ Ways To Make Extra Money.
Have an amazing day,
Saving & Simplicity