Working for money is hard, but saving money is even harder. Within the first few moments you receive your paycheck, or when you’re given money by family, “POOF” it’s gone. Well I’m here to tell you “How To.. Save Your Money! And maybe keep your financial future secure. 

Young adults tend to find saving, more difficult, particularly in their 20’s, especially if they discover themselves in debt with school, housing expenses, and simple necessities like food. I’m here to show you the few steps to escape that.

First, clear any, and all debt. Debt will only make it seem harder to prioritize your savings, and continuously keep you away from the money you worked hard to make. It also gives you a fresh sense of a new chance to better your financial situation.

Then begin tracking your expenses. Consider any spending habits you’ve come to notice, and use a spreadsheet, app, or even simple paper & pencil, to track your spending. Give yourself a number in your categories such as gas, groceries, phone, mortgage etc.

Try to cut off any unnecessary spending, cutting habits can go longer than you may think.This is key, especially if you tend to go on a shopping spree from time to time. Which in all, is reasonable.

You can then take the next step and make a budget. Creating a budget can help you understand your expenses, along with your income. And lets you truly see where you can optimize your money efficiently and limit your spending expenses. Letting you know what you plan to spend within the month.

Lastly, give yourself a savings goal. Make this goal clear, where it allows you to truly see how you effectively saved your money on your own. Whether it may be a short, or long term goal. You may then see it as rewarding with your accomplished savings in the end.

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