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9 Ways To Trick Yourself Into Saving Money

By Staff Curator / July 11, 2015
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Here are some great ideas to trick yourself into saving that extra cash.

By: Everyone wants to save money, right?

For most, saving money is easier said than done though. Considering that the average person is saving less than they want to, many probably need to be more creative with how they go about saving money.

By tricking yourself into saving money, you may be able to get yourself out of the financial rut you are in and start improving your financial situation.

No matter how great you are at saving money, by taking part in some of the tactics below you may be able to save even more. I’m not the greatest when it comes to saving, so I often have to be a little creative so that I don’t fall off track too often.

Whether you are just trying to save more money in general or if you have your heart set on a certain purchase, below are my tips for saving money.


1. Pay yourself first.

The very first thing you should think about doing if you want to learn how to save money by tricking yourself is to pay yourself first.

Each time you receive a paycheck, you should put a certain amount directly in savings first. Treating savings as though it’s another bill instead of just saving whatever you have left at the end of the month can help you save more money. This is because you will have less money to work with each month and you will think about each purchase you make a little more carefully.


2. Wait to make a purchase.

Before you buy something, you may want to think about it for a day or two, or even longer. This can help prevent any second guesses that you may have if you instead jumped on a purchase too quickly. If you don’t think you can bring yourself to not buy something, you may also think about leaving your wallet at home when you go shopping so that you are forced to think about any purchases you want to make.

You could use this trick when thinking about buying a particular article of clothing, a new car, and so on. By waiting to make a purchase you will most likely eliminate a lot of unneeded spending.

I do this nearly every time I want to buy something that I didn’t originally plan for. Whenever I take part in this trick, I usually never go back for the item! This is partly due to laziness, but that’s still good for me.


3. Save your change.

Even though I don’t use cash a lot, I still like to keep my change when I can. Whenever you receive change after making a purchase, put it into a coin jar and cash it out once it’s full.

If you don’t usually pay with cash, you can always see if your bank will round up your purchases. Many banks do this nowadays and you may be able to save up a nice chunk of change without even realizing it.

Related tip: I recommend looking into Digit if you want to trick yourself into saving more money. Digit is a FREE service that looks at your spending and transfers money to a savings account for you. Digit makes everything easy so that you can start saving money with very little effort.


4. Put a certain amount away each day or week.

If you find it hard to save money, then you may want to divide it into smaller amounts so that it can seem much more doable.

Different methods include:

  • Save $1 (or $10 or whatever you want) each and every day. The small amount most likely won’t seem like much but by the end of the year you will have a little bit extra saved with little effort.
  • Start by saving $52 a week and keep going until the very last week when you only have to save $1. By doing this, you will save around $1,400 in one year and it only gets easier as each week passes!


5. Stick to cash.

Cash allows many to save more money. This is because it’s tangible and you actually have to give up your money when you spend it, unlike with a credit or debit card.

If you are having a hard time and want to learn how to save money, then you may want to stick to an all-cash budget and see if that works better for you. This means taking out a certain amount of cash for food, gas, and so on each month.

This can also be applied to the “envelope” method where you can only spend the exact amount or less in cash that you take out of your bank account each month. This way you can actually watch how much money you…



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