{"id":58650,"date":"2025-06-13T03:04:58","date_gmt":"2025-06-13T07:04:58","guid":{"rendered":"https:\/\/www.iwillteachyoutoberich.com\/?p=58650"},"modified":"2025-07-02T04:33:40","modified_gmt":"2025-07-02T08:33:40","slug":"best-way-to-save-money","status":"publish","type":"post","link":"https:\/\/www.iwillteachyoutoberich.com\/best-way-to-save-money\/","title":{"rendered":"How to Save Money and Still Enjoy Life"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"58650\" class=\"elementor elementor-58650\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8ff6f6f elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"8ff6f6f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cebe702\" data-id=\"cebe702\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7fc3008 elementor-widget elementor-widget-text-editor\" data-id=\"7fc3008\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">There\u2019s only one way to save money. You have to spend less than you earn.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s a simple formula. What comes in must be less than what goes out.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For most people, that means cutting back on lattes and going out less, which is why people hate budgeting and struggle to stick with it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But there are actually much better strategies for spending less than you earn.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At IWT, we believe the best way to save money is by utilizing the CEO approach.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Note: if you still have a hard time saving because you don\u2019t earn enough, read my article on <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/save-money-broke\/\">how to save money if you\u2019re broke.<\/a><\/strong><span style=\"font-weight: 400;\"> I go in-depth on the \u201cE\u201d part of the CEO there.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-734d2ecf elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"734d2ecf\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-23ad71ee\" data-id=\"23ad71ee\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4c07dcf1 elementor-widget elementor-widget-text-editor\" data-id=\"4c07dcf1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><\/p>\n<p><\/p>\n<p><\/p>\n<h2 class=\"wp-block-heading\" id=\"h-the-ceo-approach-the-best-way-to-save-money\">The CEO Approach: The Best Way to Save Money<\/h2>\n<p><\/p>\n<p><\/p>\n<ul class=\"wp-block-list\">\n<li>C: Cut Costs\n<ul>\n<li>Set Savings Goals<\/li>\n<li>Track Your Spending to See Where Your Money is Going<\/li>\n<li>The Envelope Method<\/li>\n<li>Automate Your Savings<\/li>\n<li>Pay Down Debt<\/li>\n<li>Set Money Rules for Yourself<\/li>\n<\/ul>\n<\/li>\n<li>E: Earn More\n<ul>\n<li>Ask for a Raise<\/li>\n<li>Get a Higher Paying Job<\/li>\n<li>Start a Business\/Start Freelancing<\/li>\n<li>Take Advantage of Your Employer\u2019s 401k Match<\/li>\n<\/ul>\n<\/li>\n<li>O: Optimize Spending\n<ul>\n<li>Negotiate Your Bills Down<\/li>\n<li>The A La Carte Method<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><\/p>\n<p><\/p>\n<p><span style=\"font-weight: 400;\">Traditional advice about saving money only focuses on restricting yourself. By looking at other ways to <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-do-i-control-my-finances\/\">improve your finances<\/a><\/strong><span style=\"font-weight: 400;\">, such as earning more and optimizing your spending, you open up a plethora of new avenues for saving more money.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That\u2019s what makes the CEO approach the best way to save money. We\u2019ll show you how to get started.<\/span><\/p>\n<p><\/p>\n<p><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6abfd76 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"6abfd76\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-00ab19c\" data-id=\"00ab19c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-227a39c elementor-widget elementor-widget-text-editor\" data-id=\"227a39c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Money-Saving Strategy #1: Cut Costs<\/h2>\n<p><span style=\"font-weight: 400;\">Step one in trying to save money is, you guessed it\u2026 cutting costs.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most of us know what it means to cut costs. But cutting costs doesn\u2019t have to mean giving up everything you love. The best way to save money by cutting costs is to only focus on things you don\u2019t really care about or don\u2019t use. This way, the change is more likely to be permanent.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So how do you get started? The good news is that there are plenty of tricks and tactics you can use to cut down costs in a way that isn\u2019t too painful. Here are some simple ways to start saving money today.<\/span><\/p>\n<h3><b>Set Savings Goals<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Before we head into how to cut costs, there\u2019s one important thing to take care of first. Don\u2019t skip this part!<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Know exactly what you\u2019re saving for.\u00a0<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">One of the best ways to save money is to get some focus. If you\u2019re going to make significant lifestyle changes to cut costs down, you need a very clear idea of why you\u2019re doing it and what your end goal will look like.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So spend some time thinking about your savings goals. Are you saving for a cushy retirement? Are you planning a <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-to-plan-a-vacation\/\"><span style=\"font-weight: 400;\"><strong>big vacation<\/strong><\/span><\/a><span style=\"font-weight: 400;\">? Perhaps it\u2019s a <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/save-money-for-house\/\"><span style=\"font-weight: 400;\"><strong>down payment for a house<\/strong><\/span><\/a><span style=\"font-weight: 400;\"> or the <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/the-28000-question-why-are-we-all-hypocrites-about-weddings\/\">wedding of your dreams<\/a><\/strong><span style=\"font-weight: 400;\">. Whatever it is, make sure it\u2019s something you\u2019re excited about. That\u2019s key to motivating you.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Close your eyes for a minute, and imagine yourself at the end when you\u2019ve saved enough and you can finally enjoy whatever you\u2019re saving for. Start building your savings plan with that in mind at all times.\u00a0<\/span><\/p>\n<h3><b>Track Your Spending to See Where Your Money is Going<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Now that you\u2019ve got a clear idea in your mind of what you\u2019re saving for, it\u2019s time to dig deep into the numbers.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A critical step in any cost-cutting exercise is to find out where those costs are. What are you spending each month, and on what? Go through your bank statements for the past few months and note down everything you\u2019re spending on. Put them into categories such as living costs, groceries, eating out, fun stuff, and so on.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This exercise almost always surprises people. <\/span><i><span style=\"font-weight: 400;\">I\u2019m spending how much a year on croissants on the way to work?!<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">When over-spenders do this exercise, a layer of guilt tends to settle in. But hold on. Just because you spend a lot on something that isn\u2019t key to your survival doesn\u2019t make you a bad person or crazy with money. It\u2019s your money, after all.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Instead, think about it like this. If there\u2019s something you\u2019re regularly spending on that you\u2019re surprised or confused about <\/span><i><span style=\"font-weight: 400;\">because you don\u2019t even enjoy it<\/span><\/i><span style=\"font-weight: 400;\">, that\u2019s the stuff to cut.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This exercise isn\u2019t about taking away your morning coffee <\/span><i><span style=\"font-weight: 400;\">if that coffee brings you joy each morning. <\/span><\/i><span style=\"font-weight: 400;\">It\u2019s about recognizing where you can cut back on the things that don\u2019t matter to you. If you\u2019re buying an overpriced bottle of water at the train station on the way to work every morning, it probably isn\u2019t bringing you a whole lot of joy. That\u2019s something you can easily cut back on and switch out with a reusable bottle.<\/span><\/p>\n<h3><b>Use the Envelope System (Cash or Digital)<\/b><\/h3>\n<p><a href=\"https:\/\/www.iwillteachyoutoberich.com\/envelope-system\/\"><span style=\"font-weight: 400;\"><strong>The envelope method<\/strong><\/span><\/a><span style=\"font-weight: 400;\"> works by putting cash for all your monthly expenses (e.g., gas, going out, shopping) into dedicated envelopes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, you might have an envelope for \u201crestaurants.\u201d So every time you go out to eat, you\u2019ll take money from it to spend. Once you\u2019ve used all the money in the envelope, you\u2019re finished for the month!<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This method is flexible enough to let you dip into other envelopes if there\u2019s an emergency. However, there\u2019ll be less money to spend for the month on that category of expenses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You don\u2019t need to use physical envelopes, either. One of my friends who started tracking her spending a while back had a great system: She set up a separate bank account with a debit card. Most <a href=\"https:\/\/www.iwillteachyoutoberich.com\/best-savings-account\/\">bank accounts<\/a> let you set up separate savings accounts or pots to separate your money.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whatever system you decide to use, you just need to determine how much you\u2019re willing to spend in each category (and that\u2019s all up to you).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you think this system will help you be more conscious about your spending, you can read more about it in this post on <\/span><strong><a href=\"http:\/\/iwillteachyoutoberich.com\/envelope-system\/\">how to set up your envelope system<\/a><\/strong><span style=\"font-weight: 400;\">. You can also download my free Conscious Spending Plan, which is another great resource for helping you to save, invest\u2014and spend guilt-free.<\/span><\/p>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e7b9c7 elementor-widget elementor-widget-heading\" data-id=\"3e7b9c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-xl\">The world wants you to be vanilla\u2026<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb7cb1e elementor-widget elementor-widget-text-editor\" data-id=\"eb7cb1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">\u2026but you don\u2019t have to take the same path as everyone else. How would it look if you designed a Rich Life on your own terms? Take our quiz and find out:\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f12d0e6 elementor-widget elementor-widget-button\" data-id=\"f12d0e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.iwillteachyoutoberich.com\/rich-life-quiz\/%20\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Take the Quiz<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a80699a elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"a80699a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d0b9f2c\" data-id=\"d0b9f2c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-500d422 elementor-widget elementor-widget-text-editor\" data-id=\"500d422\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 id=\"h-automate-your-savings\">Automate Your Savings<\/h3>\n<p><span style=\"font-weight: 400;\">One reason we don\u2019t regularly save money is due to the pain of putting money into our savings accounts each month.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s the reason why cutting out lattes or skipping lunch is a terrible way to save more money. But it\u2019s why <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/the-psychology-of-automation-building-a-bulletproof-personal-finance-system\/\">automated finances<\/a><\/strong><span style=\"font-weight: 400;\"> work so well. You can start to dominate your finances by having your system <\/span><i><span style=\"font-weight: 400;\">passively<\/span><\/i><span style=\"font-weight: 400;\"> do the right thing for you. Instead of thinking about saving every day\u2014set it and forget it.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To do this, you need just one hour today to follow these three super-simple steps:<\/span><\/p>\n<ul>\n<li><strong>Step 1: <\/strong>Set up your bills so they\u2019re sent to you on the 1st of the month for simplicity\u00a0<\/li>\n<li><strong>Step 2:<\/strong>\u00a0Set up your contributions to your 401k so you\u2019re saving before you even get your paycheck<\/li>\n<li><strong>Step 3:<\/strong>\u00a0Automate your checking account so it pays into your Roth IRA, savings accounts, credit card payments, and any miscellaneous bills.\u00a0<\/li>\n<\/ul>\n<p>For a more detailed explanation of each step, here&#8217;s my advice on how to automate your finances.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4dacaf0 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"4dacaf0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-df4c2d6\" data-id=\"df4c2d6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a6169cf elementor-widget elementor-widget-video\" data-id=\"a6169cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/tE1s4Eg6SCE&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4e25cb4 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"4e25cb4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ae5caa9\" data-id=\"ae5caa9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6dfa636 elementor-widget elementor-widget-text-editor\" data-id=\"6dfa636\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span style=\"letter-spacing: 0px;\">Pay Down Debt\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you have an outstanding <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/credit-card-mistakes-to-avoid\/\">credit card<\/a><\/strong><span style=\"font-weight: 400;\">, <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/student-loan-consolidation\/\">student loan,<\/a><\/strong><span style=\"font-weight: 400;\"> or <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/find-out-how-much-car-you-can-afford-with-20-40-10-rule\/\">car finance debt<\/a><\/strong><span style=\"font-weight: 400;\"><strong>,<\/strong> you probably can\u2019t bear to look at the amount you\u2019re paying for the interest rates alone. It can feel like you\u2019re making zero progress when most of your repayments are paying off the interest, not the debt amount.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The solution? Pay more.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That\u2019s probably not what you wanted to hear, right? You may be wondering, <\/span><i><span style=\"font-weight: 400;\">\u201cHow can I possibly save more by spending more?\u201d\u00a0<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">The simple truth is the faster you pay off your debt, the less interest you get charged in total.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s say you have a $10,000 student loan outstanding at a 6.8% interest rate and a 10-year repayment period. Your standard monthly payments should be around $115 a month. But if you pay extra each month, you can save a lot.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Making just $100 extra payments each month could save a huge amount of interest. It could even cut it almost in half! If you can\u2019t pay an extra $100, or $200 each month, even $20 a month can make a HUGE difference. See for yourself by calculating your savings <\/span><strong><a href=\"https:\/\/www.bankrate.com\/calculators\/mortgages\/loan-calculator.aspx\">using this calculator<\/a><\/strong><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re still having trouble getting out of debt, you may want to check out my article on <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/blog\/how-to-get-out-of-debt-fast\/\"><span style=\"font-weight: 400;\"><strong>how to get out of debt fast<\/strong>.<\/span><\/a><\/p>\n<h3><b>Set Money Rules for Yourself<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">We all work in different ways when it comes to money. There\u2019s rarely any one-size-fits-all approach to spending, saving, and cutting expenses. So this is where setting money rules for yourself comes in.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you know you have a particular bad money habit, set a rule for yourself to help avoid it. For example, if you\u2019re an online shopping addict or an impulsive spender, a simple money rule could be to always wait 24 hours before making a purchase if it\u2019s over a certain amount.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Maybe you also put away the same amount you spend into a separate savings account. That way, you\u2019re down double the money. So the next time you want to buy something, you\u2019ll think twice about it.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Setting rules for yourself is the best way to curb your bad habits and reward your good ones. <\/span><\/p>\n<h2><b>Money-Saving Strategy #2: Earn More Money<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Cutting your expenses is a great start. But remember, while there\u2019s a limit to how much you can cut, there\u2019s no limit to how much you can earn.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Before you roll your eyes and skip this step, it is ALWAYS possible to earn more. Even if there\u2019s <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-to-survive-a-recession\/\"><span style=\"font-weight: 400;\"><strong>a recession<\/strong>,<\/span><\/a><span style=\"font-weight: 400;\"> even if you\u2019re broke, busy, or don\u2019t know where to start.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The good news is that there are several ways to start earning more. You can ask for a raise at your current job, find a higher-paying job, start a business, or pick up freelance work. And, by the way, if you <em>are<\/em> worried about a recession,<\/span><b> read what I said about<\/b><a href=\"https:\/\/www.businessinsider.com\/personal-finance\/how-to-protect-money-from-a-recession\"><b> protecting your money ahead of a potential recession<\/b><\/a><b> in this recent article with <\/b><b><i>Business Insider<\/i><\/b><b>.<\/b><\/p>\n<h3><b>Negotiate a Raise<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Many people will just take their salary, grumble quietly about it, and nothing changes. But did you know that one of the simplest ways to get more money is to\u2026 just ask for it?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With just a five-minute conversation, you can make thousands more, and what\u2019s better, the gains add up year after year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is one of the best ways to make money<\/span><i><span style=\"font-weight: 400;\"> through a single conversation<\/span><\/i><span style=\"font-weight: 400;\">. It\u2019s essentially quick money that\u2014unlike taking surveys or selling your body to medical studies\u2014gives you a LOT of money over many years.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Check out this chart demonstrating the effects of ONE $5,000 raise:<\/span><\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/www.iwillteachyoutoberich.com\/wp-content\/uploads\/Salary-5000-1-1024x642.jpg\" alt=\"\" \/><\/figure>\n<p><span style=\"font-weight: 400;\">For some actionable tips for negotiating your salary, check out this comprehensive post on <\/span><a href=\"http:\/\/iwillteachyoutoberich.com\/salary-negotiation\/\"><span style=\"font-weight: 400;\"><strong>how to negotiate your salary<\/strong><\/span><\/a><span style=\"font-weight: 400;\">. It\u2019s got a ton of information, and the steps are easy to follow.<\/span><\/p>\n<p>Of course, it isn\u2019t always that simple. Some bosses and industries have set salaries with minimal wiggle room. In that case, your next move is to\u2026<\/p>\n<h3><b>Land a Higher Paying Job<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">If your boss isn\u2019t interested in paying more money, the natural next step is to look elsewhere. Staying at a company for 10 or 20 years is a thing of the past for many people now. Sadly, loyalty and longevity at a company aren\u2019t rewarded like they used to be.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So the next solution is to land a higher-paying job. But how?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Should you change jobs? Change industries? How do you know whether to stay put or to take a risky move that may result in more money?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you find yourself in this situation, we have a ton of great resources on finding a better job on<\/span><a href=\"https:\/\/www.youtube.com\/channel\/UC7ZddA__ewP3AtDefjl_tWg\"><span style=\"font-weight: 400;\"><strong> YouTube<\/strong><\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><b>Start a Business or Freelance<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Finding a new job or changing careers takes time. But in the next few days, you can set up your first <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/5-best-side-hustles-you-can-start-today\/\"><span style=\"font-weight: 400;\"><strong>side hustle<\/strong><\/span><\/a><span style=\"font-weight: 400;\">. Once you get your first paying client, it\u2019ll be easier to get more clients and make more money.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">First thing: Many websites will tell you to troll for freelance gigs on places like Fiverr or Mechanical Turk. These places work if you want to compete with people all over the world in a race to do the most work for less. No thanks.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Instead, look at what you\u2019ve already got. 95% of jobs can translate into some sort of side gig. Ask yourself:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What do I enjoy?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What do I do with my free time?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">What do people ask me to do because I\u2019m so good at it?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Start by assessing the skills you use every day at home or work. Remember, people pay for solutions, not your skills. How can you take your skills and turn them into a solution for someone else\u2019s problem?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s a very simple example:<\/span><\/p>\n<p><b>Skill: <\/b><span style=\"font-weight: 400;\">You\u2019re good at math<\/span><\/p>\n<p><b>Problem you can solve: <\/b><span style=\"font-weight: 400;\">With schools shut down in most states, many parents are struggling to help their kids with distance learning and would happily pay for tutoring<\/span><\/p>\n<p><b>Your New Side Hustle: <\/b><span style=\"font-weight: 400;\">Tutoring kids in math over Facetime or Zoom<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now imagine if by tutoring for a few hours a week, you suddenly had an extra $500 a month.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That money can go straight to savings without reducing any of your spending. And this is just one small-scale example, it can work for virtually any skill. That\u2019s why <\/span><a style=\"color: #333333;\" href=\"https:\/\/www.iwillteachyoutoberich.com\/how-to-apply-the-8020-rule-to-earn-more-work-less-and-dominate\/\"><strong>earning more <\/strong><\/a>is one of the best ways to save money.<\/p>\n<p><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:image {\"id\":30828} --><!-- \/wp:image --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:list --><!-- \/wp:list --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading --><!-- \/wp:heading --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:paragraph --><!-- \/wp:paragraph --><\/p>\n<p><!-- wp:heading {\"level\":3} --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c5f118c elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"c5f118c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ca3577b\" data-id=\"ca3577b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e40ce8c elementor-widget elementor-widget-qi_addons_for_elementor_blockquote\" data-id=\"e40ce8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-blockquote qodef-layout--top qodef--\">\n\t\t\t\t<h4 class=\"qodef-m-text\">\n\t\t\tIf you\u2019ve read this far, you\u2019d LOVE our Ultimate Guide to Personal Finance\n\t\t<\/h4>\n\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-198c0de elementor-widget elementor-widget-text-editor\" data-id=\"198c0de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It\u2019s one of the best things we&#8217;ve published, and totally free\u2014just tell us where to send it:<!-- notionvc: 5dcc802d-61ab-42c5-9a82-8f248c4d2e15 --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-22d8fe4 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"22d8fe4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-582cdb4\" data-id=\"582cdb4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cabd2f5 elementor-widget__width-initial elementor-widget elementor-widget-qi_addons_for_elementor_wp_forms\" data-id=\"cabd2f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_wp_forms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-wp-forms\">\n\t<div class=\"wpforms-container wpforms-container-full\" id=\"wpforms-53563\"><form id=\"wpforms-form-53563\" class=\"wpforms-validate wpforms-form\" data-formid=\"53563\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/wp-json\/wp\/v2\/posts\/58650\" data-token=\"616c9873956056bb406a67057db9d712\" data-token-time=\"1779991308\"><noscript class=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/noscript><div class=\"wpforms-field-container\"><div id=\"wpforms-53563-field_18-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"18\"><input type=\"hidden\" id=\"wpforms-53563-field_18\" name=\"wpforms[fields][18]\" value=\"https:\/\/www.iwillteachyoutoberich.com\/c-ultimate-guide-to-personal-finance\/\"><\/div><div id=\"wpforms-53563-field_1-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"1\"><input type=\"hidden\" id=\"wpforms-53563-field_1\" name=\"wpforms[fields][1]\" value=\"34.92.157.226\"><\/div><div id=\"wpforms-53563-field_2-container\" class=\"wpforms-field wpforms-field-hidden\" data-field-type=\"hidden\" data-field-id=\"2\"><input type=\"hidden\" id=\"wpforms-53563-field_2\" name=\"wpforms[fields][2]\"><\/div><div id=\"wpforms-53563-field_3-container\" class=\"wpforms-field wpforms-field-hidden\" 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type=\"hidden\" id=\"wpforms-53563-field_14\" name=\"wpforms[fields][14]\" value=\"{entry_page}\"><\/div><div id=\"wpforms-53563-field_20-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"20\"><div id=\"wpforms-53563-field_20\"><strong>If you like this post, you'd love my Ultimate Guide to Personal Finance<\/strong><\/div><\/div><div id=\"wpforms-53563-field_21-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"21\"><div id=\"wpforms-53563-field_21\">It\u2019s one of the best things I\u2019ve published (and 100% free), just tell me where to send it:<\/div><\/div><div id=\"wpforms-53563-field_10-container\" class=\"wpforms-field wpforms-field-name\" data-field-type=\"name\" data-field-id=\"10\"><label class=\"wpforms-field-label wpforms-label-hide\" for=\"wpforms-53563-field_10\">First Name <span class=\"wpforms-required-label\">*<\/span><\/label><input type=\"text\" id=\"wpforms-53563-field_10\" 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class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"53563\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/58650\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/best-way-to-save-money\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-53563\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Send me the guide!\" aria-live=\"assertive\" value=\"wpforms-submit\">Send me the guide!<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f1215b3 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"f1215b3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-519371f\" data-id=\"519371f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-de57af6 elementor-widget elementor-widget-text-editor\" data-id=\"de57af6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 id=\"h-take-advantage-of-your-employer-s-401k-match\">Take Advantage of Your Employer\u2019s 401k Match<\/h3>\n<p><span style=\"font-weight: 400;\">Want free money? Who doesn\u2019t?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Saving money isn\u2019t just about the here and now, money-savvy people are always looking ahead. If your employer has a <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/401k-the-single-best-way-to-grow-your-money\/\">401(k) plan<\/a><\/strong><span style=\"font-weight: 400;\">, make sure you\u2019re taking full advantage of that <\/span><b>free <\/b><span style=\"font-weight: 400;\">cash.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A 401(k) allows you to dedicate a percentage of your pre-tax salary to your retirement accounts. That also means you don\u2019t pay tax on that income because it goes before ever reaching your checking account. If your employer matches your contributions, it\u2019s a no-brainer way to boost your <\/span><a href=\"https:\/\/www.iwillteachyoutoberich.com\/how-much-do-i-need-to-retire\/\"><span style=\"font-weight: 400;\"><strong>retirement savings<\/strong><\/span><\/a><span style=\"font-weight: 400;\">. In the future, you will thank yourself for taking such a simple step.<\/span><\/p>\n<h2><b>Money-Saving Strategy #3: Optimize Your Spending<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The secret to saving money is not just cutting costs and going without. Nor is it just to boost your income. Tie these two things together and you have the perfect match.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Spending is not a dirty word. We\u2019re not here to tell you to throw away the lattes <\/span><i><span style=\"font-weight: 400;\">if the lattes are something you love. <\/span><\/i><span style=\"font-weight: 400;\">The philosophy here is to stop spending on what you don\u2019t love, the stuff you feel obligated to buy, or when buying it is just a habit. You can do without those purchases in your life, and instead, put that money to good use elsewhere.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When it comes to managing your money and evaluating your expenses, a great habit to get into is to spend an hour or so looking through your bank statements. Check what you have spent your hard-earned cash on this month and ask yourself honestly, <\/span><i><span style=\"font-weight: 400;\">did you need to buy that? Did you love that purchase?\u00a0<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">If not, then you know what to do. The key here is to become more conscious of your spending. That\u2019s the biggest hurdle you\u2019ll come across when you want to save money.\u00a0<\/span><\/p>\n<h3><b>Negotiate Your Bills Down<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Another way to optimize your spending is to negotiate your bills. A lot of people think bills are fixed expenses, but the truth is everything is up for negotiation.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s a little-known fact that you can negotiate many of your bills with a one-time phone call. You can save HUNDREDS a month on bills for your:<\/span><\/p>\n<ul>\n<li>Car insurance<\/li>\n<li>Cell phone plan<\/li>\n<li>Gym membership (less likely but still possible)<\/li>\n<li>Cable TV<\/li>\n<li>Credit cards<\/li>\n<\/ul>\n<p>It\u2019s simple too. There are only three things you need to do to negotiate with these companies on fees and rates:<\/p>\n<ol>\n<li>Call them up.<\/li>\n<li>Tell them, \u201cI\u2019m a great customer, and I\u2019d hate to have to leave because of a simple money issue.\u201d<\/li>\n<li>Ask, \u201cWhat can you do for me to lower my rates?\u201d<\/li>\n<\/ol>\n<p>Of course, you\u2019re going to want to adjust this formula for whatever company you\u2019re calling. Check out our video on negotiating your bills for more on this topic.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f8b6264 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"f8b6264\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-bd32855\" data-id=\"bd32855\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7206c55 elementor-widget elementor-widget-video\" data-id=\"7206c55\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?time_continue=1&amp;v=qbk-clgY4nE&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b8822e5 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"b8822e5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-21ca22f\" data-id=\"21ca22f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2fd6e77 elementor-widget elementor-widget-text-editor\" data-id=\"2fd6e77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><strong>Trade Subscriptions for the \u00c0 La Carte Method<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">The <\/span><span style=\"font-weight: 400;\">\u00c0<\/span><span style=\"font-weight: 400;\"> La Carte Method helps you save money on services for which you have a subscription, like:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Netflix<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gym memberships<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Spotify<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Amazon Prime<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Magazines<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">There\u2019s a good chance you\u2019re WAY overpaying for these things. A conservative estimate shows that we spend over $1,800\/year on subscriptions alone.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The convenience is undeniable\u2014subscriptions are a fantastic way to automate our lives.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But when was the last time you scrutinized your monthly subscriptions and canceled one?\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Probably never. Yet compare this to any time you went out shopping, saw something you liked, but didn\u2019t buy it.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Read that again. It\u2019s the key to cutting your spending on subscriptions. The basic idea of this system is to cancel all your discretionary subscriptions \u2014 magazines, Spotify, Netflix \u2014 and buy what you need<\/span> <i>\u00e0<\/i><i><span style=\"font-weight: 400;\"> la carte.<\/span><\/i><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Instead of paying a big monthly fee to companies like Netflix, buy or rent only the shows or movies you want to watch on Amazon or iTunes. Most episodes of T.V. shows are only $1.99.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Buy a day pass for the gym each time you go (around $5 \u2013 $10).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Buy songs you want from Amazon or iTunes for $0.99 each.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This FORCES you to be conscious of your spending. By utilizing the same principles that make automating your finances great, you will have to actively think about each purchase you make when it comes to buying a song or TV show.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If, after a while, you find yourself spending enough money on these items to justify the subscription, by all means, pick it up again. If not, then you\u2019ve saved yourself some major cash.<\/span><\/p>\n<h3><b>Saving Money Made Easy<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Saving money doesn\u2019t have to be hard or as painful as it sounds. Simple tweaks to your current spending behavior are often all that\u2019s needed, or at least it\u2019s a great start. Look at these readers who used these strategies to save more money:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By using all the tactics outlined in this post, this could be you in just a few hours.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Remember, the best way to save money is by cutting costs on things you don\u2019t need, earning more by improving your salary or starting a <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/side-hustle-ideas\/\">side hustle<\/a><\/strong><span style=\"font-weight: 400;\">, and optimizing your spending through negotiation.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It sounds like a lot, but it\u2019s just three steps to saving more money without giving up everything you love.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-85eda16 elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"85eda16\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-be1d435\" data-id=\"be1d435\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-84e046b elementor-widget elementor-widget-text-editor\" data-id=\"84e046b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>FAQs About Saving Money<\/h2>\n<h3>How can I save money fast?<\/h3>\n<p><span style=\"font-weight: 400;\">Saving money more quickly often starts with making sure your money is working for you by placing it in a <\/span><strong><a href=\"https:\/\/www.iwillteachyoutoberich.com\/best-savings-account\/\">high-yield savings account<\/a><\/strong><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A high-yield savings account can help you grow your money over time, which means that even if you don\u2019t have access to a big amount of cash right away, you will still be able to save and enjoy the benefits of compounding interest.<\/span><\/p>\n<h3><b>How much should I save each month?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Saving from 10% to 20% of your paycheck is a solid goal, but the details can vary depending on how much you earn and how many other expenses you have.<\/span><\/p>\n<h3><b>What is the 30-day rule?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The 30-Day Savings Rule is a great way to help you save money. It\u2019s a simple strategy that involves taking 30 days to think about any non-essential purchases or impulse buys before you make them. Once the 30 days are up, if you still want to make the purchase, feel free to go for it!<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-df2180f elementor-section-boxed elementor-section-height-default elementor-section-height-default qodef-elementor-content-no\" data-id=\"df2180f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4902569\" data-id=\"4902569\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4f58d6e elementor-widget elementor-widget-qi_addons_for_elementor_blockquote\" data-id=\"4f58d6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_blockquote.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-blockquote qodef-layout--top qodef--\">\n\t\t\t\t<h4 class=\"qodef-m-text\">\n\t\t\tIf you liked this post, you\u2019d LOVE Ramit's New York Times Bestselling book\n\t\t<\/h4>\n\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fe67bf elementor-widget elementor-widget-text-editor\" data-id=\"2fe67bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You can read the first chapter for free \u2013 just tell us where to send it:<!-- notionvc: 273f4ba2-fb75-4084-acca-6fb86dac3a5f --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b41ff73 elementor-widget elementor-widget-qi_addons_for_elementor_wp_forms\" data-id=\"b41ff73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"qi_addons_for_elementor_wp_forms.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"qodef-shortcode qodef-m qodef-qi-wp-forms\">\n\t<div class=\"wpforms-container wpforms-container-full\" id=\"wpforms-53529\"><form id=\"wpforms-form-53529\" class=\"wpforms-validate wpforms-form\" data-formid=\"53529\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/wp-json\/wp\/v2\/posts\/58650\" data-token=\"7f28716b04ece2336b53308f30a5e769\" data-token-time=\"1779991308\"><noscript class=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/noscript><div class=\"wpforms-field-container\"><div id=\"wpforms-53529-field_18-container\" 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wpforms-field-html\" data-field-type=\"html\" data-field-id=\"19\"><div id=\"wpforms-53529-field_19\">When you sign up, I'm also going to send you my newsletter full of my best money advice for free.<\/div><\/div><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" ><input type=\"hidden\" name=\"wpforms[id]\" value=\"53529\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/58650\"><input type=\"hidden\" name=\"url_referer\" value=\"http:\/\/www.iwillteachyoutoberich.com\/best-way-to-save-money\/\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-53529\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Download My Free First Chapter\" aria-live=\"assertive\" value=\"wpforms-submit\">Download My Free First Chapter<\/button><\/div><\/form><\/div>  <!-- .wpforms-container --><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>There&#8217;s only one way to save money, and that&#8217;s spending less than you earn.\u00a0 More specifically, you can cut costs on things you don&#8217;t care about, find ways to earn more money, and negotiate better deals on bills you&#8217;re already paying so you don\u2019t have to spend less on things you actually enjoy. Cut Your [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":121535,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"","_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[160],"class_list":["post-58650","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"acf":[],"aioseo_notices":[],"modified_by":null,"_links":{"self":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/58650","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/comments?post=58650"}],"version-history":[{"count":0,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/posts\/58650\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media\/121535"}],"wp:attachment":[{"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/media?parent=58650"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.iwillteachyoutoberich.com\/wp-json\/wp\/v2\/categories?post=58650"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}