12 Money-Saving Tips to Get You Motivated!

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Saving for large purchases like houses and cars is difficult even when the economy is good. It can take a very long time to accumulate a sufficient amount of money for a big purchase, and if interest rates increase it becomes even harder.

It’s easy to get discouraged when big dreams and goals seem out of reach. We are here to provide you with some motivation to keep working towards those financial goals.

Motivation is the reason one wants to act or work

When you’re working hard to make your dreams happen, you’ve got to be able to motivate yourself! Motivation will help you keep focused on your goals so you can reach them! Do you have an eye on a trip to Disney World, a fancy handbag or a home down payment fund? It’s time to start working toward them!

Save Money Motivation: Are you ready to start saving money? Here are 12 tips to help you do so!

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1. Be as specific as you can

We all have different goals in life. It’s important to understand that sometimes you need to be more specific. Being vague in terms of saving money can actually hinder your ability to reach your goals.

Do you want to live in the suburbs or the city? Do you want a condo or a house? Will it be a fixer-upper or move-in ready? The more specific you can be about what you are saving for, the more connected to the goal you’ll feel. Setting SMART goals is a great way to get crystal clear about what you wish to achieve.

2. Know your why, then keep moving 

To create a realistic plan, you must first think about what you want to achieve and why it is important to you. Then you need to think about how you can achieve that goal. Once you have a clear picture in your mind of how your life can be better with this goal, you can begin to see why it is so important to you.

To make sure you save for the right reasons, attach a strong “why” to your financial goals. Saving money is a smart money move, but alone won’t be enough to keep you motivated. Putting a strong passionate purpose behind why you’re saving will help you stick to the plan!

It is the part of the message that is meant to make the recipient feel a certain way.

3. Tell others about your intentions and set expectations

Setting your goals is great and all, but you also need to communicate them to others. If you are going to get any of your goals accomplished, you need to get people on board. As an added bonus, when you share your goals, they will more likely meet them as well.

Write down the specific goals that you want to achieve with the money you save, and then share that list with someone. You might not want to tell a close friend or relative right away (you may be scared that they’ll find fault), but keep the goal secret for now. Instead, write it down and stick it on your computer so you can review it often.

Sharing your progress and encouraging people to join in on your adventures is a good motivation for yourself as well as for your followers. When you do this, you get to see people’s own journeys, and you get to see how they’re doing as they move along with your adventure together. This is inspiring for everyone involved, and you’ll find that it helps to keep you on track and to keep your focus.

4. Set short-term goals

Setting goals is important, but realistically setting long-term goals is harder than setting short-term ones. It’s hard to judge where you are when it’s far away, so it’s best to break the task into smaller milestones that can be easily managed and monitored.

A good goal to aim for when budgeting is to have a set amount of money to put towards debt and expenses. Having a goal to save $10,000 in a year may seem out of reach, but having a simple goal of reducing your daily expenses by $27.40 and saving it, will make that goal possible.

This may sound a little simplistic, but it does make sense. When you break down your goals, you reduce the amount of work and overwhelm you’re feeling. This, in turn, will make you less likely to quit along the way.

5. Keep going!

You might know what milestones you want to achieve but you don’t know how you’ll celebrate when you reach them. Make sure you’ve thought about this and planned ahead. Set yourself up for success by thinking about the first $50 that you will save, and then celebrate the first $1000. You should focus on what will make you happy, and not be too concerned with the size of the initial amount.

6. Separate your funds

Keep your goals separate in order to avoid a situation where they conflict with each other. For example, your car savings should be kept separate from your dream vacation savings. If you save both money types in the same place, your mind will have to keep track of two separate goals at the same time, which can lead to more stress and less motivation.

Saving money is the ultimate goal. Having separate accounts helps in that process. You’ll be able to track how your money is used and when it was spent. Also, having a separate account for fun stuff is easy to do.

7. Make a vision board for yourself

Using visual signals to keep your motivation for conserving money high is a terrific approach to do it. A vision board will remind you of your priorities and might serve as a helpful daily reminder. There is something powerful about having a snapshot of what you are working towards, whether you use scissors, a magazine, and glue or design a desktop screen saver to act as a reminder.

8. Create a tracking spreadsheet to keep a log of your spending

A tracking spreadsheet to keep a log of your spending in short is “a money-saving chart”. The easiest way to save money is to get into a habit. Using a money-saving chart is a great way to get started. It’s always helpful to have a reminder of your savings goals, and using a money-saving chart to track them helps keep you motivated. Apps and printable money-saving charts can be used to track your quick wins.

9. Create a to-do list

Writing down your goals and breaking them into steps can help keep you focused on what you need to do. Creating a to-do list makes it easier to organize your work and check off each step as you go along.

10. Use your own financial situation to motivate yourself to save money

While it may take a bit of effort to find your own way to the next step, we can all benefit from inspiration from those who have come before us. The goal of financial independence is certainly inspiring, and the ability to follow others’ paths can help us reach it faster.

11. Spend some money on yourself, but don’t forget to have fun with it!

There is nothing wrong with enjoying yourself. But, make sure you save the extra cash for your savings goals!

Prioritize and focus on the things that are most important to you. This includes what you spend money on and what you save.

12. Make saving a habit and automatic

To avoid the overwhelm and stress of managing so many different accounts, automatic transfers can help you automate your finances. That way you don’t have to keep track of each and every amount you need to put into savings and have those transferred in at the right time and for the right amount.

Bottom line

You need to start with a concrete plan. Divide your big goal into smaller milestones and track them regularly. If you miss one, don’t beat yourself up. It happens to all of us. Just get back on track and move forward.

Staying motivated can be hard when you are trying to save for a big financial goal. Set goals and be consistent in achieving them! Surround yourself with people who will hold you accountable and challenge you to do better.

If you find yourself losing motivation when saving for your financial goals, get inspiration from others, and don’t forget to celebrate the small wins along the way.

Don’t worry about what happened in the past – focus on what you want to achieve now. The past will be here soon enough; worry about that instead.

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