Save money motivation: 25 ways to success

Save money motivation can be tricky.  You know it’s in your best interest not to overspend.  At the same time, you might be lenient and do just the opposite.

Disclaimer: My blog is to be used for general information, inspirational, and motivational purposes. I share things that I’ve learned and experienced.  In case of need, do seek help from a professional in the relevant field.

As a blogger and solopreneur, I find that taking a step back before acting is best.  In my article, I’ll share helpful ideas.  I’ll first highlight the benefits in general personal life.  I’ll then move to ways that bloggers can gain from saving money habits.

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1. Why is saving money important?

To budget and economize is often crucial.  Your spending habits can have a significant impact on your situation.  Consider your lifestyle in general.

There are various reasons that you may want to put aside for the future.  From being a student to a parent to retired.  While you earn from a job, or generate income from business, think twice.

2. Save money for a rainy day

You never know when a crisis can hit you.  It’s inevitable and can happen to anyone.  Having an emergency fund is a must.

Always aim to have enough to cover your expenses for a reasonable time.  It might take months or years for things to get on track.  Always be mindful.  Get some tips on basic budgeting for personal use in my other article.  

3. Save money for retirement

Everyone retires someday.  The average age may be 60 to 65 years.  It also depends on the country you’re in. 

For bloggers and solopreneurs, you can normally work beyond retirement age.  You get to choose your hours, flexibly.  As a self-employed, you take initiative for your future.

Based on your country, there will be requirements.  For example, you file your taxes.   You also may have some sort of insurance and social security contributions to make.

4. Save money for vacation

Plan for a break, it’s well deserved!  While you work hard (and smart), you need to unwind, and do a digital detox.  Leave your devices or at least minimize using them regularly.  

Traveling can be expensive.  A vacation can help strengthen family bonds.  If you choose to travel at least once a year, you need to allocate a budget for it.

5. Lack of motivation

Taking the initiative to put aside can be exciting.  However, along the way, don’t give up.  Motivation can decrease, and you could lose focus on your goals.

Unexpected events can arise.  You might end up spending the amount you planned to put aside.  While some types of expenses are genuine needs, others may be impulsive.

6. Willpower is strength

Having willpower supports success.  Some people can better control their thoughts and actions, compared to others.  However, everyone can work on improvements if they’re determined.

7. Set your financial goals

Know your why, as it’s your long-term purpose.  Pinpoint what exactly you need to do.  Why is it so important to save and how much?  Doing so will guide you toward setting meaningful goals.

8. Create budgeting for better focus

Break down how you’ll spend.  Give priority to the necessary types.  Consider your income level, and how much you want to keep.

9. Embrace a save-money mindset

Create an environment conducive to accumulation.  Avoid extravagant peer pressure.  Have a saving buddy, a friend, or a family member who shares similar aims.  Support, and motivate each other for progress.

10. Save money goal app

There are apps to support you in achieving your goals.  I’m not naming any brands in this article.  However, you can search for them on the Apple App Store and Google Play Store.  Pay attention to the ratings and reviews.  

11. How much money to save and invest

In addition to securing amounts, you might want to invest.  While preserving is good, investing and reinvesting can go a long way.  Double or triple what you conserve smartly!

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12. Save money tips

There are many ways to keep in reserve.  The right ones will depend on your choice.  Your personality, lifestyle, and priorities impact decision-making.

Some ways help in personal and professional life.  I’ll list some for each of them.  Professional examples will be for bloggers. 

Personal life ideas

13. Avoid unnecessary subscriptions

Paying for memberships or TV subscriptions is interesting.  However, in the long term, you may be better off without them.  These may be nice to have things, but not must-haves in life.

14. Prefer homemade food

Eating out is convenient.  I love treating myself to lunch while I visit the mall.  However, if done excessively, it could be futile.  Consuming mostly homemade food is also more healthy and nutritious.

15. How to save money on groceries

Groceries are a must in every household.  At home, I’m the one responsible for doing the shopping.  As a solopreneur working on my terms, I can manage my agenda as I prefer.  

Prioritize what you need to buy through a list.  Check your stock at home before going out to buy.  Consider expiry dates, especially when there are discounts.  Read my other article for more tips on grocery shopping planning.

16. Park the car

Leave your car in the garage when possible.  Talk for a walk to the nearby shop or go on a bicycle.  It helps to cut fuel expenses.  It also supports self-care.

17. Self-improvement online resources

Level up your personal development.  While on a budget, digital resources are convenient.  Take online courses, and get ebooks instead of paying for physical face-to-face events.

In professional life 

18. Save money ideas for bloggers

There are various ways you can put aside when blogging.  This is an activity where you normally can control expenses.  Compared to other types of businesses, it’s a minimum investment.

19. Start a side hustle

Blogging can start as a hobby.  It can then develop into a side hustle.  You can even take it full-time if you prefer.

For me, it did start as a hobby.  I got paid for the first time by a brand after one year.  My blog is currently a side hustle (time of writing).

20. Purchase plans for longer periods

With my blogging platform, I paid for 2 years at once.  You can benefit from better prices for longer periods.  Pay for 2 or 3 years upfront.  

Ensure that you do intend to stay with the brand.  Read the terms and conditions carefully before committing for longer periods.  Refunds might not be available.  

21. Go for free trials

Get a free trial as a newbie.  You can always choose to pay for a premium version later on.  One interesting option could be to do your keyword research in bulk and create content buckets.

22. Opt for cheap or free versions

When I started, I used free SEO tools.  Later on, I decided to pay for one of them.  Proper keyword research has supported my organic search traffic.  I update older posts that initially weren’t well SEO optimized.  

23. Seize lifetime deals

Better than monthly or yearly payments, go for lifetime deals.  They’re not always available, so watch out for any chances.  Pay once and always benefit from premium features. 

24. Check cashback sites

Consider cashback sites.  Find those that offer quality products.  I’ve never used such a site, however, they could be beneficial.

25. End-of-year Black Friday deals 

Don’t forget the end of the year period.  This is when you get many best deals. In November each year, you can find Black Friday offers.

Conclusion

Can’t save money?  You can through careful goal-setting and budgeting.  Embrace better habits that are conducive to motivation and success.

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