Save more money

A simple way to save more every day

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Category: Wealth

Dollar saved dollar earned

Slowly but surely reach success
Declutter your life
Grow your bank account

Items

📝 Strategy: 50/30/20 (list)

📚 50% for Needs – Allocate half of your income to essentials like rent/mortgage, utilities, groceries, and transportation. (text resource)

📚 30% for Wants – Use up to 30% for non-essentials like entertainment, dining out, and shopping. (text resource)

📚 20% for Savings & Investments – Automatically save or invest at least 20% of your income. (text resource)

📝 General guidelines and mindset (list)

📚 Aim for automating savings. (text resource)

📚 Cut Unnecessary Expenses – Track spending and cut back on things that don’t bring real value. (text resource)

📚 Use the “24-Hour Rule” – Wait a day before making non-essential purchases to reduce impulse buys. (text resource)

📚 Increase Income Where Possible – Look for side hustles or passive income sources to boost savings. (text resource)

📚 Invest Wisely – Put money into low-cost index funds, high-yield savings accounts, or retirement accounts to grow wealth over time. (text resource)

📝 Morning routine (5 minutes) (list)

✅ Check Your Balance – Look at your bank and investment accounts to stay aware of your financial situation. (checkbox input)

✅ Set a Daily Spending Limit – Decide on a reasonable amount you can spend today (for non-essentials). (checkbox input)

📷 Optional progress picture or video of account (media input)

10:00 (days of week: ) – Morning routine (5 minutes) reminder

📝 During the Day (list)

✅ Track Expenses in Real-Time – Use an app or a simple note on your phone to log purchases as you make them. (checkbox input)

✅ Use the “Needs vs. Wants” Test – Before buying anything, ask: “Do I need this, or just want it?” Delay unnecessary purchases. (checkbox input)

✅ Find One Small Way to Cut Costs – Skip a coffee out, bring lunch from home, or use a discount code when shopping. (checkbox input)

✅ Round Up & Save – If your bank offers round-up savings (e.g., $3.75 rounds up to $4, and $0.25 goes into savings), enable it. (checkbox input)

15:00 (days of week: ) – During the Day reminder

📝 Evening Routine (10 minutes) (list)

✅ Review Your Spending – Look at what you spent today and see if it aligns with your budget. (checkbox input)

✅ Transfer Extra to Savings – If you spent less than your daily limit, move the leftover money to your savings account. (checkbox input)

✅ Find One Free or Low-Cost Entertainment Option – Instead of spending on entertainment, explore free options like a book, a podcast, or a nature walk. (checkbox input)

✍️ Saving journal (text input)

22:00 (days of week: ) – Evening Routine (10 minutes) reminder

📝 Extra optional tasks (list)

✅ Automate One Bill or Savings Contribution – Set up auto-transfers for bills or savings so you don’t forget. (checkbox input)

✅ Cancel or Downgrade One Subscription – Review your subscriptions and cut any you don’t use regularly. (checkbox input)

✅ Declutter & Sell Unused Items – List one unused item for sale on eBay, Facebook Marketplace, or Craigslist. (checkbox input)

✅ Negotiate a Bill – Call your phone, internet, or insurance provider to ask for a lower rate. (checkbox input)

✅ Plan Meals for the Week – Avoid eating out by meal-prepping and shopping with a list. (checkbox input)

✅ Compare Prices Before Buying – Always check for discounts, cashback, or price match policies before making a purchase. (checkbox input)

✅ Learn One Money-Saving Tip – Read a blog, watch a video, or listen to a podcast about saving and investing. (checkbox input)

📝 Helpful resources (list)

List reminders

No reminders.