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    Home » Budget and Money Saving Tips

    How to Create a Money Saving Plan in 2019

    Published: Feb 1, 2019 · Modified: Nov 21, 2019 by Candi Elm

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    The best way to create a money-saving plan in 2019 is to start today with a budget and savings goal. Start with a monthly goal, a yearly goal, and a 5-year goal.

    For more Personal Finance Articles and Budgeting Tips Read Here.

    How to Create a Money Saving Plan

    It’s never too late to start saving money. All you need is a good plan that fits into your lifestyle. When you’re already living on a tight budget, it’s hard to come up with extra money to put into savings but it’s not impossible.

    The best way to start is by creating a money-saving plan. Having a plan makes it easier to save. You can see where you are now, where you hope to be in six months or a year and what you need to do to get there.

    Here’s how to create a money-saving plan that works:

    • Create a budget and stick with it. If you know that you’re going to go over the budget one week, try to be under it the next to equal things out.
    • Have a reason for saving the money. You may want to pay your mortgage off early or save for your retirement. It doesn’t matter why you’re saving as long as you have a goal to help motivate you to stick to the plan.
    • Set a goal. How much do you want to save and by when? Use these figures to determine how much you need to save each week or payday to meet your goal.
    • Come up with a way to save money. Choose a method that makes it easy for you to save money. For example, have a set amount sent directly to your savings account each payday. Most people find it easier to save money if it’s taken out before they see it, so this method is very popular.

    When you have quick access to your cash, it can disappear quickly. That’s why you can benefit from having a plan to help you save money. It helps you stay focused so you can meet your financial goals.

    *This post may contain affiliate links. If you make a purchase, I get a small commission. Please see my disclosure policy for details

    Sign Up for Money Saving Services

    This year, Don’t Forget to Shop through Ebates to earn cashback on all your Purchases. Get $10 when you sign up for Ebates.

    What is the 30 Day Rule?

    The 30-day rule is to prevent you from impulse buying with challenging yourself to wait 30 days before you make the purchase so you can really decide if it is a good decision.

    Try a 30 Day No Spend Month

    Whether it’s 1 day, 1 week or 30 days. Get a calendar and challenge yourself not to spend money on those days. Now that doesn’t mean to purchase the day before or a day after. You will really be focusing on saving money during this time.

    Find a Financial Accountability Partner

    Once you have created your money and savings plan either with your spouse or friend, hold each other accountable to reach your goals.

    Remember it’s the small savings that add up over time. 

    How to Become a Money Saving Expert

    Is it important to you that you learn how to save money? Maybe you’re trying to save up for a big trip or large purchase. Maybe you want to be more frugal or you want to learn how to save the most you can so you can teach your children. Whatever your reason for wanting to become a money-saving expert, here are some tips to help you do so.

    • Have a plan – No one becomes an expert at anything without first having a plan. You need to know what you’re saving for or why you want to learn more about saving. What do you hope to gain from this? What are some of your goals?
    • Get educated – Next, you need to learn all that you can about saving money. You can take an online course, attend workshops, listen to podcasts, read books, attend a Financial Peace University class at your local church, and read articles online. These are all good ways to start boosting your money-saving education.
    • Get your mind right – Sometimes the only problem with saving money is your mindset. When you get your mind right, you’ll be set to become an expert.
    How to create a money savings plan that works.

    Tools you can use for your money-saving plan:

    • Total Money Makeover
    • Create a Monthly Budget Worksheets
    • How To Start an Emergency Fund
    • How to Avoid Eating Your Way into Debt
    • 52 Week Saving Challenge

    More Budget and Money Saving Tips

    • Cash Envelopes: How to Use the Cash Envelope System
    • How to Use a Free Printable Budget Worksheet
    • Save Money By Planning Ahead For Best Deals
    • Best Personal Finance Articles and Tips

    Budget and Money Saving Tips

    About Candi Elm

    Candi Elm is a wife and mom who shares how you can simply create a sweet life with weekly encouragement, recipes, household budgeting, and organizing tips. She currently lives in Southern California while blogging, baking, and living life to the fullest.

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    I’m Candi, a recipe and all things Tea blogger. I create family-friendly recipes along with sharing encouragement in your daily life.

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