I have been really obsessed with saving money and pinching pennies this year because of how expensive things are and because of how important it is to save money and i feel like money is a weird thing to talk about but i’m not going to get too specific but im just going to give my tips and tricks because i wish i knew about some of this stuff earlier and people like to gatekeep when it comes to finances and it drives me crazy
- High Yield Savings Accounts
- ROTH IRA
- Traditional 401K
- Separate accounts on checking
- Dividing your check once you get it
- Saving bonuses and money you get randomly
- Not touching your savings
- Building an Emergency Fund
- Cash Stuffing
- Keeping some cash in general
Things that jeapordized my savings goals
- Klarna and Afterpay
- Big Shopping Purchases
- Feeling like i needed to shop on the weekends and to do something fun
- Eating out and not grocery shopping at aldi
- Getting side tracked going into stores i know ill spend $ in like target
- Not using what I had at home
Things i still struggle with
- Strict budget
- Spending on food
Things to kickstart saving $
- No buy month or weeks
- Frozen fridays
- Getting outside and exercising finding ways to have fun with friends while saving money
- Making your favorite meals and realizing its better than eating out
- Sometimes restriction creates innovation making meals just from aldi stuff
- Movie pass a guaranteed way to have fun at a discounted price
- Getting deals on entertainment - peacock deal for a year
- Deciding to cut things that aren’t serving you if you really like using a service use it for a short amount of time canva when im heavy on youtube paramount when big brother/survivor is on etc.