5 of the best money saving tips, especially if you're on a budget.
Categories FINANCE


My finance background has me on a constant budgeting kick. I’m always trying to figure out money saving tips that can help me as well as you.

As many people as I’ve met, I’ve never known anyone to be against saving money. Even some of the wealthiest people I know hold on to their dollars very tightly. Today, I’m going to share a few tips that’ll help you build up your savings to $10,000 in just one year.

5 of the best money saving tips, especially if you're on a budget.

This post contains affiliate links. That means if you use my links, I may receive a small commission at no extra cost to you. As always, I am grateful for your support. 

It’s totally do-able, even if you’re on a middle class salary. I was – single mom, mediocre job, California housing market-, and all of these tips were completely in my budget.

Plan it out. Write it down.

You need a plan. It doesn’t matter who you are or what you do. You need to develop a savings plan and stick to it. Saving money isn’t hard. The hard part is coming up next. Right now, grab a pen and paper, and write down these things or use the Free Budget Planner below that I created just for you. Plus, there’s a 7-Day Savings Challenge to help you get started saving right away! Sign up below.

  • I will save $_____ this year.
  • I will make $______ this year.
  • My necessary monthly expenses are:
    • Rent/Mortgage
    • Utilities
    • Gas/Transportation
    • Credit payments
    • Groceries
    • Other important expense

Increase Your Revenue Streams

Making money from home is now one of the easiest things to do. Depending on your skills and interests, you can find so many ways to supplement your monthly income. Check out this post for a list of 30+ Side Hustles that you can start from home and this post for companies that hire remotely. If you’re introverted, these ideas would be great for you!

Do you have a blog? You can make a pretty nice side income from blogging to help bring in that extra $10,000+ that we’re shooting for.

If you don’t have a blog yet or want to make yours loads better and start bringing in money, check out these free goodies: Ultimate Guide to Starting a Blog* and  12-day Blogging Bootcamp*. They’re both totally free as can be and I’m sure you’ll enjoy them and find them tremendously useful. 

Budget the heck out of your expenses.

When creating your budget, you need to be honest with your self. Don’t overestimate. Be extremely critical with your expenses. Ask yourself: Do I really need this to live? 

  • I will save $10,000 this year.
  • I will make $40,000 this year.
  • My necessary monthly expenses are:
    • Rent: $1,200
    • Utilities: $100
    • Gas/Transportation: $120
    • Credit payments: $200
    • Groceries: $300
    • Other important expense: none

Substitute costly conveniences.

In this generation, we’ve become so used to “the easy way”. However, this easy way comes at a cost – most of the time, it’s more expensive, because convenience has a price. I encourage you, as you plan to build up your savings to $10,000 more this year, to consider the sacrifices you are making as blessings.

Substitute eating out for quality time at home, enhancing your awesome cooking skills, and if you have children, take the time to teach them how. Eventually, they will have to feed themselves, and as parents, we best prepare them to survive the world out there.

If you need to cut out some entertainment costs, reinvent game nights, crafts, and reading time. Also, if you’re itching to leave the house, there are so many things you can do for free that also enrich your soul. For instance, exercise is so good for you. Go for a walk or a run, watch the stars, watch people. People watching is pretty fun. Just make sure you don’t have a RBF, aka, don’t forget to smile to look less creepy stalker-like.

There are countless activities that you can do for free. Think about it. You’re throwing money at things that you really could do without. In return, you’re gaining time with yourself and with your family. Time is priceless and very limited. You’ll realize that the sacrifices you’ll make aren’t really sacrifices at all, but blessings in disguise.


Watch it grow.

For me, the best part is being able to watch my savings account grow. It’s like a seed that I planted, and after taking care of it, watering it, and feeding it, my seed turns into a beautiful plant that is ready to bear fruit. The fruit of my hard work and sacrifices is my savings. Watch the numbers, and notice how excited you get every time those numbers rise. It’s amazing, isn’t it?

Get addicted.

Saving money is addicting. I promise you this. Once you see how much money you can save, you’ll be saving like a boss forever. Your mind does this magical thing – it realizes that you really were throwing money away when you could’ve been saving it for more important things. You’ll never want to throw money away again.

Join the 30 Days to $500 Challenge! It’s free, and you get a Budget Planner and Savings Tracker too!

You don’t get what you don’t ask for, so please Pin this Post on Pinterest. Every share helps tremendously, and I am thankful for each one.

Best money saving tips, especially if you're on a budget.

Ashlynn Cueto

INFJ, Ravenclaw Blogger. Headquarters: Houston, TX. Making this my most creative and rewarding life. This blog is my hustle, and I'm here to help make your creativity yours.



  • This was awesome! Thanks! Michael and I are doing a challenge to see how much we can save and it’s really made us look at our expenses and what we don’t need!
    Kallie –

    • Thanks, Kallie! It really does put everything in perspective when we’re actively involving ourselves with our hard earned money. Wishing you both happy savings!

  • Melina Pena

    Since I only work part time, since I go to school I don’t make that much, but I really loved reading about your tips! I think I’m going to set money aside, and listen to the other things you mentioned in order to still save a significant amount! I’m going to print the budget planner. Thanks love xxx

    Melina |

    • That’s awesome, Melina! I’m happy that even still, you’re making building up your savings important.

%d bloggers like this: