How To Save Money Fast Even If You’re Broke

How To Save More Money Without Changing Your Lifestyle

When life gets going, it's easy to get side-tracked and forget about saving money regularly.  The best thing to do when the goin gets tuff, is to slow down and revert back to the basics.

Here you will find expert tips and tricks on how to save money for any scenario, and create the financial nest egg you thought you'd have had long ago.

On top of that, you'll discover multiple money saving secrets you had no idea existed that allow you to save money without having to change any of your lifestyle habits!  If only you'd known about them earlier...ugh.  Not to worry, you've come to the right place!

Critical Money Saving Habits That Everyone Should Follow

The following tips to saving money are non-negotiable's.  Make it a habit to ALWAYS follow these money saving tips, and only time will tell before you have that large nest egg you've been dreaming of.

Create A Budget And Stick To It

Ask any financial expert what the trick to financial success, and 9 out of 10 will tell you that budgeting is the key ingredient.  Without a budget, you have no direction with your money, and before you know it, you've spent hundreds of dollars at your local gas station on your favorite soda every day (it's just a few bucks...right?).

When creating a budget, it's important that you list your monthly obligations in order of priority, and make saving one of the top priorities (after food & water, clothing and shelter of course).  Remember, even if it's just a little bit to start out with, make sure it's a priority.  The idea is to create the habit of always paying yourself every time you get paid.

Budgeting Recommendations

We recommend Personal Capital.  They make budgeting automatic and stress free with their user friendly budgeting software.  Their tools are completely free to use, and only take few seconds to set up.

Create A Budget

Automate Your Savings Contributions

Set up an automatic transfer to your savings account so you can "set it and forget it", otherwise, chances of you actually manually making the transfer are slim once you hear about the big sale going on this weekend.

Whether it's weekly, bi-weekly or monthly, the important thing is to put your savings on automatic.  Do some basic math, and set up an affordable amount of money that you would feel comfortable saving each period, but not so much that it breaks the budget.  If you don't have much money to start with, the idea is to contribute something even if it's just $5 here and there.  Over time you will increase your contributions as your financial situation changes.

Set Up Your Savings Account At A Separate Bank

How many times have you started to save money and after some time start to see some good progress, then use all that hard earned savings up on an impulse buy?  All you had to do was open your banking app and transfer the money to your checking and away it went.

By setting up your long term savings account at a separate bank, you eliminate the danger of having quick access to it to make that impulse buy you know will come.  By setting up your savings at a separate bank from your regular checking and savings account, you still have access to the money should a real emergency come up, while eliminating "in the moment it's on sale" emergency.

Monitor Your Subscriptions Closely

Subscriptions are becoming more and more common.  It's easy to simply set up a subscription service with multiple companies, each just a few bucks per month.  Before you know it, you've got 15 separate subscription services that are drying up all your money!

Keep a close tab on the subscription services you currently have, and make it a habit to consistently review and delete the unnecessary and old subscription services.

Recommendations to cut unnecessary costs

We recommend Trim, a virtual personal assistant that is always looking for ways to save you money.  Trim will help you accelerate your progress towards your savings goals by:
  • Keeping track of and canceling old subscriptions
  • Set spending alerts
  • Monitor & fight banking fees
  • And much more!
How to save more money

Take Advantage of Free Money Online

What is free money online? Is it a real thing? Of course! There are plenty of ways that you can get free money online doing the things you already do on a daily basis.  By using free services that offer points, rewards and cashback for shopping at top retailers, you can save loads of money each month!

Cashback Websites

Cashback websites are marketing companies that serve as a "middle-man" between the customer and the retail store.  The way it works, is you set up a free account with the cashback website, who then gives you access to all their retail affiliate partners through your free online account.

When you want to shop at Walmart online, just log into your cashback account, click the link to Walmart and shop just like you usually would.  Only this time, you get awesome discounts!

How does this work? These cashback websites get paid a small "referral commission" from their partner retail companies for sending traffic to their website.  Rather than keeping all the commissions for themselves, they simply pass on some of the earnings to you in the form of cashback.  Pretty neat! money DOES exist.

Popular Cashback Sites


Swagbucks offers some of the best rewards available online when you set up a free account with them.  Not only do you get cashback when shopping, but they also have options to make extra money for watching videos, playing games and taking surveys.

Want $5 in free money?  When setting up your free Swagbucks account you will get $5 for free.

Swagbucks Cashback Offers

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