How Do People Save Money? Tips on How to Save Regularly Each Month

What are Ways to Save Money?

Basically, people save money by not over-spending, living below their means, and even doing without. Yet so many folks seem to be unable to save at all and continue living from paycheck to paycheck, often with more debt than they can ever pay off.

Let me put out a disclaimer. I am well aware that there are those who are unable to save due to legitimate reasons. There are the poorest poor, the unemployed, the homeless, the single parents with four children, and more reasons that I’m not even aware of.

Still, if you are asking this question of “How do You Save Money?” which someone recently did, then I know that you’re serious about looking at your own situation and may be serious about saving money—at least looking at the possibility.

Just save twenty bucks!

You've got a twenty? Now, what are you going to do with it?
You've got a twenty? Now, what are you going to do with it? | Source

Save Money out of Every Paycheck

You’ve probably heard that you should try to aim for saving ten percent of each paycheck. It your expenses don’t allow for that, then try for 5%. Or try even saving $20.

I used to have a friend who would occasionally borrow just a couple hundred dollars for a car repair or tires. I would tell her that if she would save $20 per month, then she would have $240 in the bank after a year for emergency expenses—at least the smaller ones. She just couldn’t seem to get into it, didn’t seem to care enough to attempt it.

Some people think that just a little at a time doesn’t get them anywhere; they don’t see enough progress, as they want immediate gratification. But you can’t start a savings program and suddenly have $5,000 in the bank. You have to start somewhere. How can people even hope for immediate gratification when it comes to saving money, unless they are lucky enough to win the lottery or have some other lucky break fall in their laps? Saving money requires some amount of common sense, along with a realistic plan.

Ways to Live Below Your Means

Live Below Your Means

Even if you can afford the more expensive apartment, rent one that costs less, if you want to save for a house of your own down the road. Sacrifice in order to be able to save money for when you really need it. Drive that old car until the cost of fixing it costs more than buying a decent used one. Forego brand name clothing or even new clothing. Instead, shop sale racks, visit thrift stores and resale shops.

I find great bargains at yard sales! You can save several hundred dollars every year by cutting clothing costs. Don’t spend your extra money eating out. Instead, eat inexpensive meals at home. Sock away that extra 100, 50, or even 10 bucks a month. Eventually, it will add up. Do the math.

Examples of Ways I Have Saved

I’ve been a saver all my life. My parents started three brothers and me in “The Squirrels Club” when we were little, a program sponsored by the local bank wherein we would "squirrel" away our coins in slots in a little book.

At 15, I took a part-time job to start saving money for college. I made it through college with taking out only a small loan that I quickly repaid. The summer after graduating, I didn’t have a job right away, but I was asked to babysit three kids that summer. I liked the family, so I agreed to do it for the paltry $200 per month. I had to live cheaply. I moved into a house with three other girls, where we could split the rent and bills. I made it through the summer, even managing to "squirrel" away a few of the dollars I was making.

Later, while working at my first low-paying social work job, I lived in an old house that was divided into studio-type apartments for really cheap rent and utilities. I stayed five years in those cramped quarters! It took a while to save, but I finally saved enough money for a small down payment for my first little 800 square foot house. I was ecstatic.

The Dave Ramsey Financial Peace Kit: I've Listened to Mine Over and Over

Commit Yourself to Take that First Step

It feels good to reach goals after saving money to get there. If you have extra money each month to spend on clothing,,eating out, and entertainment, then you have the means to save money. Find ways to cut back in these and other areas.

Start a savings account and commit to saving a certain amount of your income every month. You have to start somewhere. Saving money can be hard work as it requires commitment and discipline, but you will feel so good in knowing that you have taken positive steps to secure good things for your future.

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Comments 339 comments

Just Ask Susan profile image

Just Ask Susan 4 years ago from Ontario, Canada

You've offered some very good advice for anyone wanting to save money. So many people live way beyond their means and get into financial difficulties. Banks make it way too easy with loans and credit cards. So many people need to make a budget that they will follow. I love watching that show called Til Debt do us Part.

Up, useful and awesome!


Melovy profile image

Melovy 4 years ago from UK

These are great ideas. Saving a little each month makes a huge difference in the end, and I also agree that living below your means is a wise move. A very useful hub.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Thanks, Susan! It does seem that the norm is to live beyond one's means. Til Debt do us Part? I bet i would like that show, but I only have basic cable. haha. Trying to save money, ya know! Thanks for your support, Susan!


RealHousewife profile image

RealHousewife 4 years ago from St. Louis, MO

Great tips! And parents should have savings accounts they let the kids handle and see the activity as they grow! All my kids have savings accounts - I even took my nephew and opened one for him. On valentines or Easter - I used to buy him some junk - now I out 20 bucks in his account instead. I think he should have enough to buy a car when he turns 16! He's 14 now.

I felt like we were living paycheck to paycheck when Dave lost his job like 10 years ago - I cut off the cell phones, cable - anything that we did not NEED. I managed to get ahead really quick!


AudreyHowitt profile image

AudreyHowitt 4 years ago from California

Very wise hub! And great practical suggestions!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Thanks, Melovy! Yes, saving a little at a time helps a lot!


Sunshine625 profile image

Sunshine625 4 years ago from Orlando, FL

Excellent tips to save money. Keep on rockin' it Grammar Geek! You only have 27 more to go!:)


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

RealH--That's great what you've done for your kids and nephew. What a good idea! how old was your nephew when he started? Great idea. Good job, to, for what you did to get ahead with your family! :-)


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Thanks, Audrey! I do like practical!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Sunshine--Thanks for the encouragement. 27 to go--haha! When you put it that way, March seems sooooooo long. It hasn't been too bad so far, though. I'll keep rockin' it! Hoping to get some grammar hubs in here somewhere.... :-)


teaches12345 profile image

teaches12345 4 years ago

Your suggestions will help us put away money for those unexpected events. It is amazing how just a little bit each paycheck in savings adds up after a few years. I agree with your saying that you have to live below your means to get ahead. Thanks for sharing.


Rosemay50 profile image

Rosemay50 4 years ago from Hawkes Bay - NewZealand

You offer some great advice for those who need to save. There are many ways to save a few bucks if you just sit and think about it. Living below your means to reap the benefits later on.

A great hub


alocsin profile image

alocsin 4 years ago from Orange County, CA

These are great ways to save money. I like living below your means -- it's unfortunate that what many people do when they start getting raises is to find ways to spend the money, instead of putting the extra away. Voting this Up and Useful.


ClassicMovieFan profile image

ClassicMovieFan 4 years ago

Wow, great tips and then some! Vote up up up!! I even tweeted it!


fpherj48 profile image

fpherj48 4 years ago from Beautiful Upstate New York

Victoria....This hub is wonderful. Great tips! I am into money-saving & all similar topics. It's nearly a JOB to me. Seriously.

Have been alert, pro-active and constantly researching & implementing any and all ways to be financially S M A R T as long as I've been old enough to "think." Up++


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

teaches--Everything you say is so true. I agree. Thanks for reading!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Yes, Rosemay, so many ways to save!!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

So true, alocsin, how people's level of living rises as their income does. I can see that to some extent, but, people would get ahead sooner, if they would live below their means at least for a while. Thanks for reading and voting!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

ClassicMovieFan, bro o'mine--You rock!!!! Thanks for voting up--and tweeting! That's awesome!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Me, too, effer. I'm always "working" on saving money. What you describe is the way I am and becoming more and more all the time. Thanks for the validation!


Heather1956 profile image

Heather1956 4 years ago from Oklahoma, Texas, Alaska, Utah, Florida, Arkansas

I have come to realize that some people are still in debt with the charge cards. I say cut them babies up! If you have to have one, you must. I'm going to tell you a secret. I have never had a charge card in my life. I know you think it is impossible. When I bought a house in Alaska the banker could not believe it. He looked for 2 weeks then called me in to his office. He said, he could not believe I did not have charge cards--EVER! He asked me again if I had any. I told him "no!" He said that is so un-American! He told me he was going to keep looking and if I had them I should tell him because he would find them. I told him to look all he wanted I never had had one charge card. Well, after 2 more weeks he gave up and I asked him does this hurt my chances of buying a home. He said "No!" Actually it increases your chances. He said my credit was excellent!" True story. I have traveled to Israel, Canada, Mexico, Cruises, and never a credit card. Traveller's checks. My grandfather said credit cards were for suckers who fell in traps. I never forgot his words.


billybuc profile image

billybuc 4 years ago from Olympia, WA

Good job Vicki! All practical ideas; I especially love the one about living below your means.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Great story, Heather, especially since it is true. Unbelievable, really, in today's world. Good for you! Thanks for the great comments.


LauraGT profile image

LauraGT 4 years ago from MA

Another great hub. I'm amazed at how many people these days still live beyond their means rather than within them. Can make for a lot of problems! Thanks for the tips!


emilybee profile image

emilybee 4 years ago

You are right on here. Living in a smaller, cheaper apartment is a great step to prepare for a home in the future. Living below your means is beneficial for the future. Thanks for the great tips!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Thanks, Bill! I think that living below our means may save us later on down the road. Thanks for reading my hub!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

I agree, Laura, and you're welcome!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Definitely, emilybee! Thanks for the comments!


NessaMetharam profile image

NessaMetharam 4 years ago from Manila, Philippines

Whenever I get money, I follow the 10-20-80 rule. The first 10 means 10% of what I get goes immediately to tithes. The 20 is 20% but that 20 goes straight to my savings account. The 70% is kinda tricky. With the 70%, I pay off everything I need to pay and the remaining money is purely for everyday use.

Great hub!


jpifer profile image

jpifer 4 years ago from New Hampshire

This is great and my husband and I have always lived below our means and have gone without many things over the years. It has paid off in many ways. We paid off our mortgage early and have always driven economical cars, thus minimizing car payments and saving on fuel. Our only "debts" are our monthly electric, phone, fuel, etc...just the basics. This has enabled us to enjoy our lives with vacations and buying things like bikes, kayaks, and other outdoor gear. We have also been able to save money for our children's college fund so that they won't be in debt when they graduate.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Sounds like a great plan, Nessa! A lot of people just don't seem to have a plan. It's something to think about. Thanks for the comments!


MizBejabbers profile image

MizBejabbers 4 years ago

Living below one's means is always a good way to save money. I am the family breadwinner. My husband had to retire on disability when he was only 43. We still live in the house we bought when I was making half my present salary, but it's in a good neighborhood and is large enough, so we don't feel deprived. We also save money by buying only the things we actually want (or need), not what the neighbors have. Voted up.


skinsman82000 profile image

skinsman82000 4 years ago from Frederick Maryland

Great Hub! I'm a big proponent of living below your means because you never know when something will change in your life. As a famous song says, "Life is what happens when you're making other plans." I try to save, but like many find out all the time, it can be hard at times. I look forward to reading some of your other hubs.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

That's awesome, jpifer. I won't have a car payment and my current goal is to pay off my house really, really early! I want to have some sense of freedom from debt! Good for you guys. Thanks for sharing your examples!


KeithTax profile image

KeithTax 4 years ago from Wisconsin

Great hub with solid advice for tough economic times. I find it easiest to get into the habit of saving. And, of course, you are right. We all need to live below our means.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Awesome, MizBejabbers. Sounds like you have it down. That's great. Thanks for sharing!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

True, skinsman. Living below our means does help us to prepare for down tmes. Great comments--thanks!


slappywalker profile image

slappywalker 4 years ago from Saratoga Springs, NY

Nice hub. I recently got tired of being in debt, and my first battle was deciding whether or not to start paying down my debt right away or try building an emergency fund first.

I opted to start a small $1000 emergency fund just in case something popped up so I wouldn't have to use my credit cards again. I started it by pulling out $20 from every paycheck and having it automatically deposited in my savings account. It was the most painless savings I have ever done.

It came in handy about 8 months down the line when we had an emergency with one of our automobiles and we didn't have to hit the credit cards in order to handle it.


Kebennett1 profile image

Kebennett1 4 years ago from San Bernardino County, California

Great hub, good advice!


jainismus profile image

jainismus 4 years ago from Pune, India

Useful tips, one should follow them. Voted up and shared.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

KeithTax--I think that for folks who do get into the habit of saving, that it is a way of life and hard NOT to do! Thanks for your comments!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

slappywalker--Good for you! I think that everyone should try to have a $1000 emergency fund "just in case," even while they still have debt. There has to be somewhere to get money in case of emergencies. Great comments!


Kamalesh050 profile image

Kamalesh050 4 years ago from Sahaganj, Dist. Hooghly, West Bengal, India

Excellent tips ,worth following. Well done my friend.

Best Wishes, Kamalesh


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Kebennett1--Thanks! Let's just hope people take the good advice!


buddhaanalysis 4 years ago

A very good hub which i wants!!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

I appreciate your feedback, Kamalesh! Thanks!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Glad you like the hub, buddaanalysis!


tbrian123 profile image

tbrian123 4 years ago from colombo, Sri Lanka

Good work.. Great Hub.. Need more this kind of valuable articles.. Voted up.!!!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

tbrian--Thanks! I'll try to keep them coming!


Tricia Ward profile image

Tricia Ward 4 years ago from Scotland

Great hub. I have written a couple of hubs on budgeting. I help people look at budgets and the number of times I see people in trouble and they think there is nothing they can do. After a couple of hours they realise that there are ways to cut cost and tackle the mountain they have created. Everyone can save something, even if it is buying less chocolate or coffees and putting it aside!


bkgroup profile image

bkgroup 4 years ago from India

Great tips.I am also saving my 10% of income for emergancy use and it really helps.I would have not to borrow money from my friends but they are!!!

Thanks for sharing!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

I agree, Tricia. I think that everybody probably splurges on something or is wasteful in some area where they can cut back. Great comments!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

It really does help, bkgroup, and saving becomes a great habit to get into!


cclitgirl profile image

cclitgirl 4 years ago from Western NC

Check, check, check - I'm certifiably frugally-insane! Hehe. Great hub and awesome tips - many of which I've done for a long time. Voted up/A/I/U.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

cc--frugally insane, huh? Me, too, cyber sister! Good for you for already doing these things. Thanks for the votes!!


mikeydcarroll67 4 years ago

For me, I am learning to go open source for some of the software I need and try to go used for the books and other things that I might need. I found those allow me the biggest opportunity to be able to afford to attempt to try to save any money that I can.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

That's good, mikey. I usually try to buy books and everything else used. It saves soooo much money.


Akinpelu Olawale profile image

Akinpelu Olawale 4 years ago from Lagos, Nigeria

thanks for your advise. i guess i now know how to spend money, how to budget, how to save money, e.t.c am going to start savings now for the betterment of my future.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Akinpelu--I find that saving becomes a habit if you just get started....Good luck!


scottyy11 profile image

scottyy11 4 years ago from Canada

coupons! coupons! coupons! and if you don't have one, don't buy anything not on sale


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

scotty--I use some coupons on items I buy regularly. I do sometimes wait until the item goes on sale. Often I shop at a discount store where I don't need coupons. That's nice, too!


angelachristine profile image

angelachristine 4 years ago from Portland, Oregon

Great hub! This hub is very helpful. Many people don't realize that saving just a little bit will eventually add up and help them in the long run.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Exactly angelachristine! That's what I try to tell my friends who don't save. A little at a time...it does make a difference!


rtburroughs2 profile image

rtburroughs2 4 years ago

you have a lot of useful information here.Another great way is eliminating debt. Compound interest can be great when it is working for you, but in the case of credit cards and mortgages it is working against you.If you pay off one debt at a time, and then add that monthly payment to another debt,you can save years of payments, and thousands of dollars.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

I agree rtburroughs--I am currently working on paying off my mortgage as soon as possible. I am waaaay ahead! Thanks for the comments!


seo4site profile image

seo4site 4 years ago

It's usual problem - "how to save money"))) Excellent hub. Thank u Victoria


cicsomum profile image

cicsomum 4 years ago from Liverpool, UK

I'm really and I mean reallllllllllly horrible at saving money! So, I find this hub really helpful. Thank you!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

seo4site--I do hope this article helps people to learn the HOW of saving money. Thank you for your comments!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

cicsomum--Maybe this hub will inspire you to work on saving money! You're welcome! Thanks for sharing your thoughts.


creativelycc profile image

creativelycc 4 years ago from Maine

Excellent hub! Saving money does take discipline and patience. Once you've developed the habit of putting a little bit of money away on a regular basis, it gets easier to do each time.

You were blessed to have parents who taught you the principles and value of saving money. Because of that you learned to be responsible with your money at a young age.

This is a very encouraging hub for young people to read. So many young people are graduating college with a huge credit card debt in addition to their student loan debt.

I will be sharing this hub with my friends and family. Thank you very much!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

creativelycc--Yes, it does become easier to save the more a person does it. I agree that I'm blessed to have parents who taught me the value of money at a young age. So many young people start out in major debt, not even thinking about what they're doing to themselves. Maybe this hub can help some folks. Glad you are sharing it! Thanks!


blackJackTexas profile image

blackJackTexas 4 years ago from losvagas

@ You have to learn how to work your money right,

bye talking the time to know.witch bill is the most important and going from there.


jenniferg78 profile image

jenniferg78 4 years ago from Philadelphia, PA

Some great tips here. I'm not going to lie. I am quite the impulsive spender and am not very good at saving but I do keep a sharp eye on all my financials to make sure that I never go beyond my means.


shulepoa profile image

shulepoa 4 years ago from Kenya

Wonderful hub. I am sharing it with my 850+ Facebook friends!


Deepak Chaturvedi profile image

Deepak Chaturvedi 4 years ago from New Delhi, India

Great hub.


MyOfficeBooks profile image

MyOfficeBooks 4 years ago from Brisbane

In Australia, Groupon, daily deals and other voucher type sites are a great way to also save money, but still get away for a weekend or have massage. Do you invest your money that you save in any particular way? It would be interesting to hear what you do. Thank you again for sharing your ideas.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

True, blackJackTexas. Sometimes we do have to prioritize what we owe. Thanks for the comments.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

jenniferg78--I'm glad you won't lie about it, at least. haha. Well, if you ARE interested in saving, you have no excuses now! Good luck!


networmed profile image

networmed 4 years ago from SPL

I am already doing the same(Living Below The Means), and it's great, it helps when we needed it. However, it just keep it going that way, that's why I'm looking into saving through investing. I'm still in my 30's so I still have time to grow that money. Me and my wife started investing in Mutual Funds since last year and it's great since the money we've put there almost doubled. Though there are months it's really down. It's equity fund, so, it's kinda risky, but it does grow the money. Our plan now is to save both the conventional way and continue adding to the Mutual Fund investment. We're still looking for other possibilities.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Woohoo, shulepoa! 850 FB friends! Thanks for sharing!


TripleAMom profile image

TripleAMom 4 years ago from Florida

Good tips. I have some friends who decided to work on their debt, so they moved out of the rental house they loved into one that is very small for themselves and their 3 children, reduced rent by about 400 or so per month, sold everything they didn't really need, and have gotten down to just one outstanding debt. They are hoping to buy a house when they are out of debt. Such a good feeling. We try to live by this as well. Credit card is only for saving a hotel room when needed, etc, both cars are old but paid for and such. Thanks for a good hub.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Thanks, Deepak!

andrewhayes--I know the tips have helped me, so perhaps they can help others, too!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

MyOfficeBooks--I think the US has Groupon, too, but I haven't tried it. As far as investing, I will put in retirement whatever my employer matches and also put a little bit in a Roth IRA. I don't have a lot to invest, but I'm hoping it will pay off someday. I put at least some in savings to save as a cushion. I mostly only invest in mutual funds, as they are safer than stocks. Hope that helps. Glad to share. I like hearing other people's ideas, too.


Cymbelline profile image

Cymbelline 4 years ago from Cebu City, Philippines

Great hub! I totally agree bout the living below your means. I think it's about time that the youth start saving for our future. We spend hundreds of dollars on gadgets and items that we inevitably stop using in a span of a few short months. Living frugally should help us understand how difficult it is to earn money. That way we're able to see its value better.


ustad profile image

ustad 4 years ago from Pakistan

everyone should save money. the most careless part of life is teen age and age between 20 to 30. should develop habbit of saving money in this part of age & it would be better for rest of life.


dayakthinker profile image

dayakthinker 4 years ago

After reading books written by Anthony Robbins (awaken the giant within), Robert Kiyosaki (rich dad poor dad), Richard Templar (rules of wealth), the secrets (rhonda byrne), I conclude that the only one way to save money is by saving yourself first.


birdslover profile image

birdslover 4 years ago from New Delhi, India

Thanks for sharing suggestions for saving money, I used to spend a lot of money but now I spend wisely.


MAYA SADAN profile image

MAYA SADAN 4 years ago from New Delhi

Thanks for the information. I like savings.


MyOfficeBooks 4 years ago

dayakthinker - Investing in your own education is very important. It is the only way you see things from a different perspective and see opportunities in a different light.

Victoria - I'm not a fan of mutual funds myself. My family's moto is "Never lose control". This is where we buy shares that are good value and unloved along with high dividend more stable priced shares. Property is by far my favourite kind of investment. We abide by very "strict" guidelines, what ever we buy MUST have a positive income and pay for itself. Interestingly, we now pay ourselves and live off HALF the income now with four school aged children than what we paid ourselves fifteen years ago as a couple. Yes, you read that right... it is this strategy that has enabled us to pursue our investment goals.

This discussion is very interesting...it's always fantastic to read how others see things.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

networmed--Sounds like you are on the right track. I do savings and some mutual funds, too. And the younger you start, the better! Keep at it!


MyOfficeBooks profile image

MyOfficeBooks 4 years ago from Brisbane

networmed - I echo Victoria's comments of encouragement. But I also encourage you to invest in your own "financial intelligence". Educate yourself by reading books, attending free seminars, completing a formal course or networking with investment groups teaches you more than anyone else could advise.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

TripleAMom--Sounds like your friends are doing everything right in getting out of debt. I'm trying to pay off my mortgage way early to be totally free from it. Thanks for sharing their story.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Cymbelline, so true, so true. I ask myself twice before I buy any type of gadget if it's something I really need and will use. So much money is wasted on those types of things. You make some great points.


networmed profile image

networmed 4 years ago from SPL

@Victoria Lynn

Yes, you're right, the younger we start, the better. If there was only someone who told me that when I was in college :)

@MyOfficeBooks

Yes, you're right. Having a smart financial intelligence is one of my goal, I'm in the process of doing it. I've read a few books in finance as well as motivational books.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

I agree, ustad. If we all knew at age 20, what we knew now. I did okay, but I would have done some things differently as far as money goes. Thanks for the comments!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Interesting, dayakthinker. I may have to look at those books. Thanks!


Eliminate Cancer profile image

Eliminate Cancer 4 years ago from Massachusetts

I try to keep it simple. Cut back on everything I CAN cut back on. It's amazing what you can live without!! If you are creative, and take a second look at all of your expenses, there is probably some way to save on all of them, and possible eliminate some :)


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Good for you, birdslover! Perhaps you're able to save now!

You're welcome, Maya!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

MyOfficeBooks--Good information. I do go for relatively safe mutual funds, not stocks. One of these days, I would like to invest more in property, but I've got to save enough money to do that, of course. I love what you said about living on half your income. That's awesome. With 4 kids, too!

I like this discussion, too. I like learning from others all I can about their thoughts on saving money.


Teylina profile image

Teylina 4 years ago

Great hub! Awareness is half the problem, and you brought it home! Thanks.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

MyOfficeBooks--Good advice. I need to educate myself more on investing, too.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

I know, networmed. There should be a required class on this stuff when we're teenagers or young adults. But would we all listen? :-)


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Eliminate Cancer--I agree. I'm continually looking at places to cut. There are probably still more ways I can find!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

True, Teylina. People just need to think about it more. Thanks for your comment--great one!


Thelma Alberts profile image

Thelma Alberts 4 years ago from Germany

Great hub and advice! Thanks for SHARING this. I'm a saver and I save whenever I can. Have a lovely weekend!


smartincome profile image

smartincome 4 years ago from Philippines

Great advice Victoria! I always suck on saving money before. But when I started working, I realized that I should start saving. Right now, am saving for my future. :)


mfriedstore profile image

mfriedstore 4 years ago from 176 Flushing Avenue Brooklyn , New York

Sometimes we forget to be thrift. It is good that you have emphasized it clearly. Thank you so much for this hub.


samdackson profile image

samdackson 4 years ago from Colorado

Such an informative post.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

You're welcome, Thelma. I love to save where I can, too. Have a great weekend, as well!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Way to go, smartincome, on starting to save for the future!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

You're welcome, mfriedstore. It's good to be thrifty!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

samdackson--Thanks. Hope it's useful to you!


acewebdesign profile image

acewebdesign 4 years ago from Adelaide, South Australia

Very good hub..saving money is important for every age!!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

I agree, acewebdesign. Thanks!


watumademe 4 years ago from Iowa

Vicoria,

Great hub. I have apet that i over spoil and in times like these it is crucial to put money where it is most needed.


GoGreenTips profile image

GoGreenTips 4 years ago from Indianapolis

Great hub! Sound advice. So many people today live beyond their means, and unfortunately the media portrays spending and credit as positive. It is generally too late when these kids nowadays figure it out, there in debt from school and from credit cards.


Rusti Mccollum profile image

Rusti Mccollum 4 years ago from Lake Oswego, Oregon

gREAT HUB,VERY INFORMATIVE!


risalat profile image

risalat 4 years ago from Moorhead, MN

Thanks for the hub, some real good advice were there. But it's also true dumb people will never manage to make savings. So yes, you have to be smart enough to save money.


idratherbe 4 years ago

Good hub. People need to stay out of the big box stores also. Implulse buying will cost them on average $70.00 a trip. Times that times 52 weeks.


iphone-5-release profile image

iphone-5-release 4 years ago from NY/HK

These are some really great tips, I have already started saving for the new iPhone as I am very excited for it to release. I think its always easier to save when you know what you are saving for!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

watumademe--I have some pets that I spoil, too, but I have learned not to spoil them by spending money on expensive toys that they quickly tire of. There are ways to spoil them without spending a lot of money. Welcome to HubPages. Hope you enjoy your experience here!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

claudedog--I love money saving hubs, too. Glad you enjoyed mine.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

GoGreen--So true. I feel sorry for people just out of college in major debt. I wish there were mandatory managing money courses in high school! Some would listen and start off their young adult lives on better footing!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Thanks, Rusti!

risalat--It may take education from others for some people to learn how to save money.


wiserworld profile image

wiserworld 4 years ago

Great tips! Good rules to live by.


Francesca27 profile image

Francesca27 4 years ago from Hub Page

Very timely information. Thank you so much for sharing with us.


icountthetimes 4 years ago

Certainly useful information at a time like this. We all need to pay careful attention to our finances.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

idratherbe--Impulse buying is a biggie. I rarely go shopping for anything but groceries, so I'm not tempted too much. Thanks for commenting!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

iphone--I agree. Knowing what you're saving for helps. Right now I'm saving for paying off my mortgage. LOL. Plus savings for a rainy day....


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

wiserworld--I think so, too!

Francesca--You are so welcome! Glad to share!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

i countthetimes--No doubt! We all need to watch our money....:-) Thank for reading and commenting!


Megh Brandel profile image

Megh Brandel 4 years ago from Dhaka, Bangladesh

I am quite inspired by this hub. I am 30 and have no saving yet. But I guess, it is better late than never. I hope ina few years time from now may be I will be able to have a decent saving. Even though it is now difficult to earn a lot, but I guess life has already given me a good lesson on not saving.


Better Yourself profile image

Better Yourself 4 years ago from North Carolina

Great hub, I'm a saver myself! It feels good to save and work hard to do so, and the little bits of sacrifice here and there are definitely worth it.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Megh--Just start with saving a little. That will help over time. Good luck!


Urfriendlyinfo profile image

Urfriendlyinfo 4 years ago

A great article full of good points thanks.


TotalHealth profile image

TotalHealth 4 years ago from Hermosa Beach, CA

Fantastic hub! Found several tips useful, thanks.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Better Yourself--totally worth it! I think it feels good, too!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Urfriendlyinfo--I'm glad you found good points. Hope they help!


tarajeyaram profile image

tarajeyaram 4 years ago from Wonderland

Great advice Victoria. I love how you always put good points. Keep it up. Vote up and useful.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Totalhealth--so glad you could use the tips! Awesome!


hotelmanagement profile image

hotelmanagement 4 years ago from London

I love this hub! If my partner could save some money, I may have some in the bank. But as someone who does not understand the concept of gas and electricity costing 'actual money' and leave things burning as often as she can, I guess I am going to be a stressed out teacher and turning off switches for the remainder of my life.

Great work.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Thanks, tarajeyaram. I really appreciate those comments!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

hotelmanagement--It can be tough to save money when one's partner isn't of the same mindset. I've heard a lot of people say that. Thanks for the input.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Hi, racksjackson. I get coupons for dog and cat food online. That helps a lot. I bathe and cut my dogs hair a bit between groomings. I'm sure there are more tips out there. I have a hub on saving money on pets, too. Pets can cost us, but I find them more than worth it! Still, there are ways we can save.


Grace D. profile image

Grace D. 4 years ago from Missouri

Some great advice here. I recently started saving more money than I ever have before. While it is not an enormous amount, it provides me with the satisfaction of watching it grow with time and also with some feeling of security that I am more prepared now then I ever was before. I used to be kind of like your friend, I just thought I didn't make enough to save so I didn't. I finally realized that I was wrong and saving it for everyone with any income. Thanks for the tips.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Grace--Saving a little at a time is great. It feels good to know you have an emergency fund. Good for you! thanks for sharing!


sammythrone profile image

sammythrone 4 years ago from North America/South America/Europe/Asia

Hi Victoria

this is useful especially in the Western World. We tends to be spender than savers. When I was in Asia, I was shocked how well they control their spending. In a seminar I attended with Singaporeans and Malaysians, about 45% are savers with 6 figures sitting in their bank. Will it be better to learn from them?


eatforcheaper profile image

eatforcheaper 4 years ago from London

Hi Victoria, this is a great article and I also saw your article regarding freezing food which is a subject I was looking to share as well haha as my articles are about saving money with eating! I agree, save just $20 it can go a long way especially for emergencies. I also read somewhere that if you just transferred £1 or $1 to your savings account at the end of every day as you wouldn't miss $1 a day (online would obviously be easier) it can be very helpful. $1 a day ($30 a month).


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

sammythrone--That's impressive about the Asian people. Sounds like we could learn a lot from them. Thanks for sharing that. It's interesting, huh?


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

eatforcheaper--What a neat idea about the $1/day transfer. Cool! I think most people can save a little bit. Thanks for reading and sharing your input.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

racksjackson--I'm so glad the pet hub was useful in helping save money. That makes me feel good. Thanks for the feedback!


AboutInvesting profile image

AboutInvesting 4 years ago from United States

That's great advice! Saving a little money is a great way to eliminate some stress. It's easier than most people think, you just have to get started and make it a habit.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

AboutInvesting--I agree. And once it becomes a habit, it's hard NOT to save!


eatforcheaper profile image

eatforcheaper 4 years ago from London

Definitely, it took me a while to get used to saving but once I caught the habit I'm now hooked! It helps me stay motivated for my future plans :)


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

That's awesome, eatforcheaper. That's how I feel. Thinking about future goals motivates me!


the-remedy profile image

the-remedy 4 years ago from Houston

This motivates me to start saving small & eventually build a nice savings for my daughter & I. I don't want to touch my 401K, so making a few adjustments to my everyday life won't affect me too terribly, besides it's worth it!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Exactly, the-remedy, totally worth it!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

You're welcome, peperuhi!


crazybeanrider profile image

crazybeanrider 4 years ago from Washington MI

Excellent ways to save, I recently started saving all my change and 21.00 dollars a month. I wish it were more, but it is a start. I shop at thrift stores and make food lists for groceries. Planning each meal and not buying junk food. It is nice to have a small savings for a repair or a trip home to see family...Excellent writing!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Thanks for the compliment, crazybeanrider. Sounds like you're heading in the right direction. More people should follow your example and just save at least a little. It adds up!


Teylina profile image

Teylina 4 years ago

So many great comments to a super hub. Decided time to be more than aware. Never too late! Thank you so much for getting me started. Again.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Teylina--Glad the hub inspired you to get started again! :-)


dayakthinker profile image

dayakthinker 4 years ago

The best way to save money is by investing money in the bank of yourself.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

dayathinker--That's an interesting concept....:-)


MyOfficeBooks profile image

MyOfficeBooks 4 years ago from Brisbane

Wow VictoriaLynn you certainly have quite a discussion going with this subject with some fantastic responses. I love dayakthinker's comment and agree 100%!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Thanks, MyOfficeBooks! I appreciate your input!


fjohn profile image

fjohn 4 years ago from india

Victoria it's a wonderful information.. thank you.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

You're welcome, fjohn. Thank you!


onlinereputations profile image

onlinereputations 4 years ago from Dumaguete City

Nice Hub thanks. I have never been able to save money. Voted this Hub up though and I think it is "Awesome."


Talullah profile image

Talullah 4 years ago from SW France

Some great ideas here!


MizBejabbers profile image

MizBejabbers 4 years ago

I notice in one of your comments you said you would like to invest more money in property. In our area investment in property doesn't pay off unless you are already a filthy rich contractor. We are trying to get rid of our investment property so we can move back to the country when I retire, but I'm afraid we are going to take a loss on it. Your area is booming, though, so it might be a good investment for you.


MyOfficeBooks profile image

MyOfficeBooks 4 years ago from Brisbane

As an investor in property and doing so with a small income....i cringed with the words "unless your are a filthy rich contractor" Investment property can be found every where. It's the buyer's due diligence, financial goals & the property's location all makes your selection a wise or poor one. Selling at a loss hurts, but keeping a property...any property that may cause you financial hardship is not a good investment to keep. It is better to sell it (at a loss) and move on, rather than deal with stress, family tension & unhappiness.

It is imperative to educate yourself, understand your own finances and investment goals BEFORE any kind of investment, especially property. Like dayathinker stated above "The best way to save money, is by investing money into the bank of yourself"

I hope VictoriaLynn is ok for my response....


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

onlinereputations--Maybe this hub will inspire you to start saving money, if just a small amount!

Talullah--Glad you like the ideas!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

MisB--I think that property is a good investment here. I have my little house that gives me some extra money over the mortgage every month. Eventually it will be paid for and worth much more than it is now. I'm fortunate, I guess. Thanks for reading and commenting!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

MyOfficeBooks--Your response is fine! I love hearing other perspectives out there. I am careful with money. Real estate does pretty well, considering, in my area. I'm just saying that when I get my mortgage and my rental paid off, more real estate might be an option, because it seems to work! If we find the right investment, as you say. I do appreciate your input. Very much!


taw2012 profile image

taw2012 4 years ago from India

Nice hub. These are really good tips to save money and of course practical too. Voted up..!!!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Glad you think they're practical, taw!!!!


CZCZCZ profile image

CZCZCZ 4 years ago from Oregon

Very good advice on saving money. I am a big believer in setting up automatic withdrawals to my savings accounts. While this has caused a panic a couple of times, I think the overall decision to stay committed to saving through these auto savings withdrawals have allowed me to amass a savings account I otherwise would have never been able to do so without. That kind of security of a back up savings account to pay for the essentials when needed is what gives me ease and not have to be constantly worried about something that can impact my financial security. great hub and I voted up.


amithak50 profile image

amithak50 4 years ago from India

Only way to save money is to earn more and spend less ,living below your means can harm you ,may be you can be a victim of some diseases ,you will go to doctor and you can lose money ..


Paul Kuehn profile image

Paul Kuehn 4 years ago from Udorn City, Thailand

You have an excellent, interesting hub Victoria. One way a lot of people can save money is by decreasing their transportation expenses. With the price of gas so high, car pooling is an excellent way of putting extra bucks in your pocket. If you learn a little about basic car maintenance like checking air pressures on tires, checking oil, radiator, and other fluids you can also save money in the long run. I live in Thailand and work at a school about 4 kilometers away. When it is not raining, I will walk a kilometer to a bus stop instead of taking a taxi. Over time what you save on transportation expenses adds up. I am sharing this with my followers.


Ebony123 profile image

Ebony123 4 years ago from Somewhere

Great ideas! If you can stick with them that is...


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

I agree, CZ, that a backup savings account is essential to feeling less stressed and worried. Thanks for the great comments and vote!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

amithak--I believe that people can live below their means--frugally--in order to have money for events such as having to go to the doctor. Thanks for commenting.


MelChi profile image

MelChi 4 years ago from Cape Town, South Africa

Excellent advice! Too often we have enough money to grab a bite to eat out, but then come the time when we need to go to the doctor or fix the car - things get tough. Thanks for the eye opener, voted up! :)


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

You are so right, Paul, about transportation costs being another area in which we can save money. Thanks for your input and also for sharing with your followers!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Ebony--I think that the more you stick with these ideas, they become a way of life. I don't get joy from spending money. I love being frugal. That, to me, is more fun!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

MelChi--Those expenses, like eating out, do add up, that's for sure. Thanks for the comments!


kateska12 profile image

kateska12 4 years ago from Delray Beach

Nice Hub Victoris :)


Cherrietgee profile image

Cherrietgee 4 years ago from Illinois

I really appreciate this article...especially the part about choosing the less expensive apartment, since that's precisely where I am right now. You have really encouraged me to be more faithful in my spending. Thanks so much.


bmukherjii profile image

bmukherjii 4 years ago

I prefer to spend only 40% of my earning orb may be less. This is my savings strategy


Beata Stasak profile image

Beata Stasak 4 years ago from Western Australia

Very useful hub, we spend too much money now for the things we don't really need just want...I believe we have to start every purchase with the question: "Do I really need it?"


KevinG1979 profile image

KevinG1979 4 years ago

Buy used when you can, a lot of things are actually better when bought used. I like to theink of them as pre-tested! :)


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Thanks, kateska12! Hope it helps!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Cherrietgee--Perhaps the encouragement will help you feel better about the cheaper apartment--at least for now. It really does help to save for what you want later on. You're welcome!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Wow, bmukherjii, if you can get by with spending just 40% of your income, that is an awesome plan!!!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Beata--I do that more and more, asking myself about every purchase, Do I really need this?


Jenna Pope profile image

Jenna Pope 4 years ago from Southern California

This was chuck full of great information!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Me, too, Kevin. There's a lot that can be bought used!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Jenna--Glad you think so!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Awesome, best4health. Glad you like the hub, and thanks for the vote.


alifeofdesign profile image

alifeofdesign 4 years ago from New Hamphire

I, too, have been a saver all my life. I consider it a bit of a game trying to live below our means. I think that people must commit to the idea of saving and understand that saving money and living 'below' one's means does not mean living a dull, wretched life. We have a beautiful home, nice cars, lovely clothes. ........we don't live in a huge house that we can't afford, we bought pre-owned cars that are now older, but well maintained. We take care of our possessions, buy some clothes at consignment. People need to understand that if you look at something in a positive way, it can BE positive. Over the last few years, we had some pretty hefty medical bills due to my cancer treatments and both my husband and I were unemployed. Being frugal is what got use through the tough times. Learn to do a lot of things yourself. Make many of the things you use. Enjoyed your Hub-thank you for sharing.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

That's good, northlandws. A good way to save!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

alifeofdesign. You're right! Being frugal doesn't mean not living! One can still live well, and being frugal can save us when we fall on hard times. Great comments. I appreciate them very much.


Hezekiah profile image

Hezekiah 4 years ago from Japan

Nice article. I'm from the UK but married to a Japanese national here in Japan. I do the traditional thing of giving the whole of my salary to my wife to look after (she is housewife). I never see any salary and if I need money I need to ask her and give the reason. Sounds like beng treated as a kid, but it's been the best way to save for me.


ultimate kenneth profile image

ultimate kenneth 4 years ago from Science City of Muñoz

Whoah! This hub is really seasonal. Great hub Victoria...! Nice article..


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Hezekiah--That's a great method is that's what works. Some people are better at handling money than are others, so whatever works....Great comment! Thanks!


Pinkchic18 profile image

Pinkchic18 4 years ago from Minnesota

You've got some great tips here! I frequent our local thrift store probably once a week to see what they've gotten in. I've found so much good stuff there, and it's like a treasure hunt :)


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Thnks, ultimate kenneth! Much appreciated!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

I agree, Pinkchic! I love looking for cheap treasures at thrift stores!


Sinea Pies profile image

Sinea Pies 4 years ago from Northeastern United States

Great advice. I am taking a financial class right now and the teacher highly recommends the "envelope method". You pay with cash only. When the envelope is empty, you don't spend. Harsh but smart! :)


ashley359 profile image

ashley359 4 years ago

Seriously your tips are excellent for housewives. Keep it up


Yankees10 4 years ago

Nice Hub. I am unsure if you have done one but, Saving for Retirement is another one that many Americans need to start doing.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Sinea--The envelope method is great and works for a lot of people! That's great advice!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

ashley, I'm glad you think so. I think these tips can help everyone!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Yankees10--Great idea! I'll try to put together an article on saving for retirement. So important. Thanks!


Debby Bruck profile image

Debby Bruck 4 years ago

Very, very good advice, Vicky. I still wish to be able to save more. The cost of that car repair really adds up, as well as the cost of gasoline these day! I'm in admiration for your ability to save. Blessings to you, Debby


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Just keep trying, Debby! The habit of saving does get easier, I think!


Kiwi Max profile image

Kiwi Max 4 years ago from New Zealand

Haha, very much like the idea of a squirrel club. I can't believe you started working at age of 15, that's very young. Must have been fairly easy paying back the student loan when you went to college.

Just out of interest and more or less unrelated to the hub, what did you study?


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Hey, Kiwi Max--Sometimes my mom and I both regret my starting working that young. There are things I missed out on with my friends, but I also learned valuable lessons. I only had to get a loan the second half of my senior year. It didn't take too long to pay back, and interest was low. As far as your question, my first major was English but I changed and graduated with a BA in Social Work. I went back later to finish a BA in Spanish. About ten years later, I went back to graduate school for my first love, English, and got my Master's. Thanks for asking! :-)


ipen profile image

ipen 4 years ago from Bangalore

Some very good tips. I have tried my best to save 20% from my salary every time it has been credited to my bank account. Unfortunately I could not. You have mentioned some good tips to save money. Thanks. Voted up.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

ipen--I think that every little bit helps. 20% is hard to save from each paycheck. Have you gone with a lesser amount? Good luck! I appreciate your input.


goodlife10 profile image

goodlife10 4 years ago

Useful hub! Thanks for sharing.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Thanks, goodlife. Glad this hub is useful!


Johanna Baker profile image

Johanna Baker 4 years ago from Christchurch, New Zealand

Great hub, such simple advice which achieves good results yet so hard for some to accomplish... teach your children to save while they are young like you did...and establish a good habit and healthy mindset to money. Thanks Victoria


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Johanna--Thanks for your input. You're right in that establishing habits early makes all the difference!


jasmith1 profile image

jasmith1 4 years ago from UK

Some great money saving tips Victoria. It really is about living below your means isn't it?


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

jasmith--Yes, it IS about living below our means! I think that's the number one way to save. And it's the best way to save for a rainy day--when we really need the money!


johnakc profile image

johnakc 4 years ago from New Delhi

Great Great Great Advice!!! And Great Hub Too.

I would love to follow such nice tips as I also want to save money for future.


PoukhamGolmei profile image

PoukhamGolmei 4 years ago from India

I started saving about a year ago and wondered what your hub would tell me. And after reading it, I guess I still have some miles to cover. A Good Read, Excellent Methods and Kilobytes wisely spent. Well Done.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Awesome, johnakc. Glad you're interested in saving money. I love writing hubs about that subject!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Poukham--I'm glad you got something out of the hub!! Thanks!


am301986 profile image

am301986 4 years ago from New Delhi

Great article on saving money. Really I will give a try such approach. Thanks for sharing. Cheers!


ShaamCA profile image

ShaamCA 4 years ago from India

Thanks will try out your approach :)


anusujith profile image

anusujith 4 years ago from Nilambur, Kerala, India

Excellent hub .voted up.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

You're welcome, am301986! Hope the tips help!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Great, Shaam! Glad you stopped by!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Thanks, anusujith. Glad you think so!


gmwilliams profile image

gmwilliams 4 years ago from the Greatest City In The World-New York City, New York

Victoria Lynn: You have put this very excellently and succinctly. Many people want to have elaborate answers as to how to save money. What you have stated is very thorough and lucid. Many people do not want to hear this, especially the statement, "Live below your means." Now, that is too much for many people to bear. I love this hub. You used the KIS principle-keep it simple.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

That's right, gmwilliams. People just have to buck it up and live below their means to save! Yes, the keep it simple works!


tipstoretireearly profile image

tipstoretireearly 4 years ago from New York

Excellent advice. Paying yourself first by having money taken automatically from your paycheck is the most painless way to save.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

tipstoretireearly--Thanks! Your name has my attention, too. May have to check out your tips, too!


collegecredit101 4 years ago from Joliet, IL

I love the idea of "Living below your means" its a DEF! good way to save some serious cash for myself. Especially, me being the college kid I am. Awesome tips. Sweet Hub. : )


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

collegecredit--You're smart to live below your means. Seems like most college students need to do that! Thanks for the input!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

cblemnagements--So true! I love the comment by Warren Buffett. Saving is often the LAST thing that people do. Great comments--thanks!


josh3418 profile image

josh3418 4 years ago from Pennsylvania

Vicki, this is very informational, I thoroughly enjoyed it! Voted up useful, and awesome!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Thanks, josh! glad you liked. Thanks for the votes, too!


josh3418 profile image

josh3418 4 years ago from Pennsylvania

You are welcome! Anytime! :)


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Thanks, Josh--again. :-)


vocalcoach profile image

vocalcoach 4 years ago from Nashville Tn.

This is the kind of hub a reader can return to again and again. It's just good to be reminded of your good tips. I think living below your means is the all-around best way to save. It puts you in a different mind set.

Also, no fast food! It's been 11 years since I have used a fast food chain. We think its cheaper but it turns out its a money saver to cook at home. It's just more convenient and we are people in a hurry! Slow down people and you'll save money. Great hub Victoria and rating up and sharing!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Thanks, vocalcoach! 11 years since fast food--wow! I get a fast food "fix" now and then, but not often. It is MUCH cheaper and healthier to eat at home. Thanks for your great comments, vote, and sharing!


Janine Huldie profile image

Janine Huldie 4 years ago from New York, New York

Thank you for the very informative hub on ways to save. I have used some of your methods already by having a savings account and holiday account that we contribute to each paycheck. Also, I try very hard to buy only what is on sale and use coupons if possible, whether groceries or clothing. Again thanks for this and am voting up and sharing too!


carter06 profile image

carter06 4 years ago from Cronulla NSW

I just found this too Vic and it's such great practical help to any needing to budget but the saving money tips are for a lifetime I reckon & I think encouraging little ones to put coins in money boxes teaches invaluable lessons for later in life!! Great hub...


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Thanks, Janine. I will hardly buy anything (besides groceries) if it's not on sale. Thanks for your comments!


e-how-to profile image

e-how-to 4 years ago from Kgn. Jamaica

This is a very informative and useful article. Keep up the good work.


Rai 18 profile image

Rai 18 4 years ago from US

Ma'am, thank you so much. I use spend every blessed dollar I received. Recently I tried making sure I saved a certain amount just for a car but I would run of saving for other items that I needed. Your hub helped to inspire me to try again. I really appreciate this.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

carter06--I agree that teaching kids while they are young makes all the difference. Thanks for the input!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Thanks e-how-to. I will! Hope you do well on HubPages!


maheshpatwal profile image

maheshpatwal 4 years ago from MUMBAI

As some wise man said a penny saved is penny earned.... beautiful hub with great ideas about how to save that extra penny. Good work


the-remedy profile image

the-remedy 4 years ago from Houston

Appreciate the helpful tips, will put them all to good use!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Rai--That makes me feel wonderful that you are again inspired! I don't think you will regret it. That is wonderful! Thank you!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

maheshpatwal--I appreciate that! You are so right about that quotation!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

the-remedy--Glad to hear it! Hope the tips help!


Ruby H Rose profile image

Ruby H Rose 4 years ago from Northwest Washington on an Island

great tips, thanks! Saving is a necessity these days for sure!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

I agree, Ruby. We should always save, I think.


boundarybathrooms profile image

boundarybathrooms 4 years ago from Colne, Lancashire, UK

As always Victoria this is a well written hub packed with some excellent advice!

I'm not too bad with money, but I might show this to my girlfriend before she bankrupts me lol.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

LOL, boundarybathrooms. GEt this to the girlfriend--QUICK! haha


suresh 4 years ago

I agree that for each check, you need to save some money. This is the primary way you can control expenses and save money... suresh... http://myinvestmentideas.com


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

suresh--Yep, even a little bit out of each check helps!


mzshawn26 profile image

mzshawn26 4 years ago from Louisiana

Thanks for these tips on how to save money. My plan this year is to start saving little at a time. So, that I will be able to do the things want to do. Again, Thanks.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

mzshawn--A little at a time is a great way to go!


Linda Cassini profile image

Linda Cassini 4 years ago from Las Vegas NV

With Christmas around the corner this article sure comes in handy :)


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Wow, Linda, you're right. Christmas will be here before you know it! Thanks for reading!


dianetrotter profile image

dianetrotter 4 years ago from Fontana

Hi Victoria, Right now I have more month than money.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

dianetrotter--Sorry to hear that, but I have known that feeling. Ugh. Hang in there!


timewarnercablenc 4 years ago

really great advice you share here. I make more money than what I need each month but I should say that I'm struggling to save enough money. I know, 'enough' is relative :)


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

timewarnercablenc--Yes, "enough" is definitely relative. That's good that you make more than you need each month. It's good to save that. Thanks for the input.


viveresperando profile image

viveresperando 4 years ago from A Place Where Nothing Is Real

I loved this. I am lucky that I have a small local bank that anytime I use my debit card, it rounds up the purchase and any extra cents goes to my savings account. It does not sound like much but it does add up. Nice tips, will look at your other links in the hubpage soon. Voted useful!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

viveresperando--That's a great tip! Another small way to save money that adds up. Thanks for sharing that, and thank you for the votes.


beingwell profile image

beingwell 4 years ago from Bangkok

Voted up and shared! These are great tips. I've also learned from the past to cut a portion for yourself first before spending your income for the monthly expenses. Also, if in debt (e.g. credit card, loans, etc.) try paying them off first (even if it's just a little per month) so that it eventually gets paid off in time.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Thanks, beingwell, for the input and for voting and sharing!


ajayshah2005 profile image

ajayshah2005 4 years ago from Mid Asia

Very useful information. Voted up and shared.


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Thanks, ajayshah! Glad it's helpful! Thanks for voting and sharing, too!


Eagle Ford profile image

Eagle Ford 4 years ago from Texas

Excellent tips. Thanks for sharing them!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

treehousebrandon--I agree that writing it down is helpful in showing where the money went. Dave Ramsey does share some very valuable principles!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

Eagle Ford--You're welcome. Thanks for reading!


chlxee profile image

chlxee 4 years ago from Charleston

These are fantastic ideas! I really am jealous of people like you that have been savers their whole life. I don't know what's wrong with me...I just can't seem to not spend money!

I actually just started a new way of saving, though. Since I work in a restaurant and get paid in cash tips, it's pretty easy for me. But I save all of my 5's! I have a little envelope in my purse that at the end of the shift, all of my 5 dollar bills go into. I just started, so I don't even have $100 yet, but it's really easy to do!


Victoria Lynn profile image

Victoria Lynn 4 years ago from Arkansas, USA Author

chlxee--Yeah, I've always saved--since I was a kids--so it's just a natural thing for me. You can get into the habit, though, and it sounds like you are with saving your tips! That's a great idea. It's a start!


rajan jolly profile image

rajan jolly 3 years ago from From Mumbai, presently in Jalandhar,INDIA.

Very useful suggestions and money saving ideas. You are correct in saying that even a small amount in saving can become big if saved over a period of time. Regularity in savings is a must.

Voted up and useful.


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

rajan--It all adds up. Thanks for stopping by!


MomsTreasureChest profile image

MomsTreasureChest 3 years ago

Great practical tips and ideas for saving money and spending less! Thanks for sharing!


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

MomsTreasureChest--You're welcome! Thanks for reading!


IreneBissou profile image

IreneBissou 3 years ago from U.S.A.

Very practical advices! You are a live example of success being possible when persistence exists. Voted up!


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

Thanks for voting, Irene. I'm glad you appreciate the hub!


Alecia Murphy profile image

Alecia Murphy 3 years ago from Wilmington, North Carolina

This is a resolution that should be lifelong. I definitely think you've provided great advice! Voted up and shared.


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

I agree, Alecia. It's a lifestyle, not just a temporary goal. Thanks for the input, vote, and shares!


Missy Mac profile image

Missy Mac 3 years ago from Illinois

Great article! I am attempting to make goals of saving more throughout the year. Thanks again.


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

You're welcome, Missy Mac. Hope the tips help!


jravity1 profile image

jravity1 3 years ago from bellevue, MI

You did a great job with this article. Now is definitely the time to start saving. Thank you for helping.


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

jravity1--Saving is great everyday! Glad you liked the article! :-)


jonandoi profile image

jonandoi 3 years ago

It is a good method.


lorddraven2000 profile image

lorddraven2000 3 years ago from Wheelwright KY

In this day and age saving money is vital. I really enjoyed this article. Thanks for posting it. I am still hesitate about some methods I have found online, but these seem pretty good.


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

jonandoi--I agree! Saving just a little each month is a good method that can really add up! Thanks for reading!


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

lorddraven2000--Well, they're practical ways, and they have worked for me! Hope they do for you, too.


bell du jour profile image

bell du jour 3 years ago from Ireland

Hi Victoria Lynn I enjoyed reading your article and you have some really good tips there! I agree that a lot of us are always looking for instant gratification - particularly the younger generation. However I'm not sure if I agree with living less than comfortably in order to save - after all none of us know when how long we are going to be here and we should treat every day like it's our last!


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

bell du jour--If we lived every day like it's our last, we wouldn't have anything left! :-) I think we have to have balance in looking to the future, as well. To me, living below my means is not uncomfortable, so it's a great way to put back money in order to have something for a rainy day. Thanks for reading!


craftybegonia profile image

craftybegonia 3 years ago from Southwestern, United States

Good stuff! And I might add, teach your kids to save also! I've never found it hard to save as an adult because my dad bought me a huge Mickey Mouse bank and started me off when I was 6 years old. He would always take me to the bank, put in a coin and give me one to put in myself. I got so used to it, that as an adult, saving gives me no pain. Start them early, especially if they have college dreams, it'll pay!


Samith Jhon profile image

Samith Jhon 3 years ago from Los Angeles, California

Great Hub.This article has given me a lot of practical things to do and learn a lot. Thanks a lot for this information.


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

craftybegonia--You are absolutely right. Like anything that becomes a habit, saving does, too, when done regularly!


lovedoctor926 3 years ago

Useful information. It's wise to save money these days. I have a savings account with over $3000, but I have been saving money for a while now.


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

Samith Jhon--You're welcome. I'm glad you got some things from the article that you can try.


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

lovedoctor--I agree that it's wise. I feel so much better knowing that I have a cushion in my savings account. Thanks for commenting!


blondey profile image

blondey 3 years ago

This is a great hub and echoes what my older brother told me a few times, to live below your means. I'm still working at it, but doing a lot better than when in my twenties!

Great information. Worth doing.


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

blondey--I think we think about it more as we get older, when we see how hard money is to come by! Thanks for your input!


AboutInvesting profile image

AboutInvesting 3 years ago from United States

Great article! Thanks for sharing all of those valuable tips. I'm always looking for creative new ways to save!


blondey profile image

blondey 3 years ago

True! I'll keep these tips in mind :-)


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

Aboutinvesting--Glad you appreciated the hub! Thanks for reading!


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

Thanks, blondey, for reading and commenting. These tips have always worked for me. :-)


JessBraz profile image

JessBraz 3 years ago from Canada

Great advice! I've always been a saver, but I've recently recommitted to saving what I can.. My fiancé and I are hoping to buy our first house this fall and every penny I can save will help towards our down payment.. The tricks I've been using is automatic saving.. My work will take off a certain amount off of each paycheque and deposit it into a separate savings account.. So I never even see the money, which makes saving super easy.. I've also been tracking all of my spending through a free app I downloaded into my phone.. Every penny I spend I simply plug it in there.. It helps to keep my aware of what I'm spending and makes me think twice before I waste a few dollars on things I don't need.

Happy saving everyone!


livelifeworryfree profile image

livelifeworryfree 3 years ago from The DMV

Great tips!


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

JessBraz, that sounds like a great app! Way to go with your saving habits! Thanks for sharing all that.


CLCMPK profile image

CLCMPK 3 years ago

Great advice! Will definitely be starting this!


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

livelifeworryfree--Thanks! With your name, you must have the same kinds of values. Thanks for much for reading and commenting.


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

CLCMPK--Great! It's never too late to start saving!


unikaman profile image

unikaman 3 years ago from London UK

Really a nice article - makes me think (again!) things would have been a lot different if I would have been saving 10% from the very first I started earning ;)

But, it is quite hard to break the belief - we usually think of saving after making the monthly spends, if this whole process is reversed (Save and then spend from whatever is left), it can make wonders in our lives!


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

unikaman--There are certainly times in my life where things were so tight that I saved very little or none at all. Still, I wonder if I could have lived on less to do more. I definitely thing that saving is a great habit to get into--whenever we can. Thanks for reading and commenting!


joanwz profile image

joanwz 3 years ago from Katy, Texas

great advice. thanks for posting


Katlyn Rafferty profile image

Katlyn Rafferty 3 years ago from Castile, New York

Very helpful. I find that having a savings account really helps. I have part of my wages go in it automatically every week. The bank can set this up for you.


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

joanwz--You're welcome!

Katlyn Rafferty--I think that's the best way--to have a certain amount automatically deposited into savings. Thanks for the comments!


califonium profile image

califonium 3 years ago from NIGERIA

the idea that i can't save become i don't have enough is a myth, the truth is that people don't save because they have enough and are satisfied they save because they don't have enough and are not satisfied and wants to have and be satisfied. great hub Vic, super fantastic advice. I LOVE IT.


Lumitare profile image

Lumitare 3 years ago from Helsinki

This article was so inspirational. The part about instant gratification was especially interesting since I tend to be a person who wants everything now... Actually I wanted it yesterday! This reminded that I could cut back on some things and if I do that, I would be able to save. I am going to start today. :)


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

Thanks, californium! Most people can save just a little, if that's all they can do. Thanks for reading!


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

Lumitare--I'm so glad that you were inspired to start saving. That's awesome!!! Once you get used to it, I bet you'll agree that it feels good. Then you will be more likely to get what you want with your savings eventually!


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

Rataoesk--I definitely agree in investing money, too, but there has to be savings for a rainy day or for buying something we want. I love living below my means. That's what allows us to save and invest; otherwise "our means" would be spending everything we made. I love being frugal and figuring out how to save here and there. I would have to respectfully say the opposite--that living in excess hurts my soul and kills my spirit. I love how frugality makes me feel. Living frugally doesn't mean suffering. But to each our own! Thanks for the input.


Francesca27 3 years ago

Good job Victoria Lynn.... you have some great things written in your hub. Keep up the great writing.


Victoria Lynn profile image

Victoria Lynn 3 years ago from Arkansas, USA Author

Thanks, Francesca! I appreciate that!


Jacobb9205 profile image

Jacobb9205 21 months ago from Gloucestershire

Great ways to save money! I tend to half all my earnings, half to save half towards expenses depending how much my expenses will be for that month.


Victoria Lynn profile image

Victoria Lynn 21 months ago from Arkansas, USA Author

Jacobb9205--I used to safe about half my income when I had a better paying job! No more, but at least I'm not working as hard as I used to be. Keep on saving as long as you can!


Jacobb9205 profile image

Jacobb9205 21 months ago from Gloucestershire

Victoria Lynn, Yeah that's true well good luck on increasing your earnings!


Victoria Lynn profile image

Victoria Lynn 21 months ago from Arkansas, USA Author

I hope so, Jacobb9205! Thanks for reading. Best of luck to you as well!

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