ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

How to Start Saving Money

Updated on March 7, 2014

Where do I Start Saving Money?

I always wanted to find the genesis, or start of saving money. I wanted to know where I should begin? Is it with the creation of a budget? Is it by spending less? Could it be to start by making more?

Here is my thought on where someone should begin saving money.

You know that 6 inch space between your ears? That is where you start saving money. Before you begin clipping coupons, turning down your thermostat, buying a used car, you need to start saving in your mind and decision making.

Many people fail to consistently save money because what they are doing is too fast, too much, or they are not committed to what they are doing, why they are doing it, and what the goal for doing it is. Many people, like dieting, go cold turkey, or crash diet, and they are not capable of maintaining the results, they changed what they do, but they still want to eat that cake, sleep in and not work out.

  • Make the decision.

First, you need to decide that you are going to save money. Whatever your reason may be, you need to make the decision to start, that is it, simply determine that today you are going to change your habits and lifestyle.

  • Saving money is a lifestyle and habitual change

Again, much like dieting, the most successful stories tell of complete lifestyle changes. Do not think you can save in certain areas of your life and not others, and only during the weekdays and the weekends you spend frivolously. Saving takes commitment, consistence, and permanent changes to your habits and lifestyle.

  • Start slowly

Once you make the decision to save money, make slow and consistent changes. If you make too many changes too fast, you may not be able to adjust and will lose sight of your goals. Make a list of different ways to save money. Then maybe once a month, implement one at a time. Tip: have something that you consider a cheat or a reward. If you normally get coffee before work each day, maybe a reward would be getting one each Friday. Rewards or little cheats keep you going, keep your goals in perspective, and give you something to look forward to.

  • Have goals

Another major part of making the decision to save is to have goals. It does not matter what they are, but you need to have them and strive for them. A goal can be anything from saving enough to fund my child’s college education, to saving enough to rent a cabin for the family once a year. The goal could be to save for something, or to simply lower your total expenses by a certain dollar amount. After each goal is hit, ask yourself if you want to go further, or if you are happy where you are.

I will emphasize again that it does not matter your reason or your goals, but you need to have both. Each person will save for a different reason, purpose, or goal, but you need to have them, and they need to be something worth striving for and changing for.

People have built careers on discovering ways to save money, so once you make the decision to save, you have your reason to do it, and you have your goals to strive for, all that is left is how you will do it, and that is the easy part once the foundational tips above are in place.

If you are having trouble making a change, there are many ways to save money by simply reorganizing the order in which you do something, such as your bank account

Visit my blog at


    0 of 8192 characters used
    Post Comment

    • profile image

      David Mark 5 years ago

      Are you looking for an affordable loan with a low interest rate of 3%? if yes contact us today via with the information.

      Your full name :_____________

      Age / Sex :___________________

      occupation :________________

      Monthly Income :____________

      country :___________________


      phone Number:______________

      Loan Amount:____________

      Loan Duration:_______________

    • MarloByDesign profile image

      MarloByDesign 6 years ago from United States

      My suggestion to save money - cut out cable and get a TV antenna for $100-$200 dollars. I have not paid for cable in over 5 years - I probably save $1200/year, which equals $6,000 over the span of 5 years.

    • CrazyGata profile image

      CrazyGata 6 years ago from Puerto Rico

      Eat at home. Eating out stands for an average $1500 per year. That's a good place to start.

      If you go to the movies, repent! :)


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: ""

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized. (Privacy Policy)
    CloudflareThis is used to quickly and efficiently deliver files such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisements has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)