Categories: Personal Finance

Money spending and saving tips

It is not how much money you earn that makes you financially free but how you use the money your earn. Many people having problems with money rush to get more money. This actually is the wrong assumption. In fact when they get more money they actually get into more financial problems. Wherever you earn money the first thing you should do is to get to know how to keep the money and have the money work for you. Getting financial education on how to invest your money is paramount to your being successful with regard to money use. The following Money spending and Saving tips will help you make good informed decisions with regard to money use and saving: 

Smart money spending and saving tips
  • Keep savings and checking accounts at separate banks.
  • Be patient to have that car, home, vacation etc. Save until you have enough cash to these things.
  • Have an emergency fund to guard against job loss, or any big expense that might come up.
  • Prioritize on long-term. Invest before you spend the money on short-term needs.
  • Stick to your budget.

Related: 6 Simple Tips to Achieving Financial Freedom

John Mulindi

John writes on a variety of topics. He blogs on topics ranging from social media marketing (SMM), search engine optimization (SEO), search engine marketing (SEM), email marketing, business, personal finance tech, entrepreneurship to personal development. In free time he likes watching football, reading, listening to music and taking nature walks.

View Comments

  • Great post! It’s great that you recommend to think long term. It’s often so hard to think long term when all you see is what’s in front of you.

  • Great recommendations, especially sticking to a budget. This is super hard for me but like you said, it is about thinking in our future

  • Very helpful tips. It can be difficult to stick to a budget, but such an important thing to do. Thanks for sharing!

  • I find it is far easier to set a lower lifestyle (buy cheaper car or smaller house) than it is to nickle and dime my way to saving that much.

  • Emergency funds are critical. No matter how well you plan, there are always things that happen in life which you have no control over. Best to be prepared in advance.

    • Hi Gary, True, no matter how much anyone is earning, it is important to set a side some money for the rainy day.

  • I think if more people understood how compound interest works, it would really help them visualize how important investing first is. Every time I'm tempted to blow off investing, I remind myself I'm literally throwing away free money from interest.

    • Hi Mel, thanks for visiting. I totally agree with you. Investing is all about putting some money away to get some free money in terms of interest on top of it in return. The earlier you realize the importance of keeping some cash away inform of investments the better you are in taking care of the future.

    • Hi Michele, True! These are simple money tips especially to young people just starting on their personal finance journey.

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