It’s about that time for “New Year, New Me” Resolutions. Well let’s kick off 2018 with this Money Saving Challenge. This is the easiest money saving guide I’ve seen and it’s so easy to do, just need to stay committed.
Earnest helps you build a brighter future by lowering interest rates and helping you manage your money more effectively so that you’re not paying more than you need to. Student loans can be a large portion of debt for many people these days, and many are unaware that there are options out there to help, which is really how we connect to the topic!
After reading the money saving challenge above, made me think about all the money I’ve spent and wasted over the past year. I know going into 2018, my biggest goal is to cut back of wasteful spending of money throughout the year and set personal goals for myself for money saving.
These apps work with phones, tablets & computers. I know have all of them and use them monthly. I’ve saved lots of money and earned a good penny in cash back. I have a few blog posts on these topics: Chrome Extensions Apps, these apps & those apps.
Focus on Money Saving in 2018
- Set aside $50 each paycheck or $100 each month from my paycheck. Before paying any bills, set aside some cash or even after paying bills, before blowing it on useless things. I need to really build my savings account, so I’m not struggling to live paycheck to paycheck.
- Collect all of my medical bills together and PAY THEM OFF! Yea, seems easy right, try not having insurance for two years, they kinda add up. I need to contact each place and set up a plan to pay off at least like $5-$10. Something is better than nothing, sometimes they even work with you. Doesn’t hurt until you try!
- Do you know how hard it is to build credit without credit? It’s the real struggle. I had credit back in 2006, then never did anything until now. It looks horrible for the credit. I’ve also NEVER owned a credit card, which I think is a good thing. So I started small and got a Kohl’s charge card with a small spending limit, starting small.
With these simple tasks, I really think I am going to do better than I have in the past. It also helps to have a steady good paying job, which also I haven’t had in awhile either. So it’s a win-win all around.
What are some money saving goals you have for 2018?
jennifer bowen says
i really dont have any saveing goals for this year i just do the best that i can with every thing
Linda Szymoniak says
Wow, I like this. I think part of the problem with getting people to save is letting them know where to start. I’m going to share this with some friends who are working on reducing debt this year.
Calvin says
Great focus on saving money, this is a nice plan to base it on
Natalie says
I am up for the challenge! I need to save more money this year.
Molli Taylor says
i need this, i am going to take control of my finances this year!
tat2gurlzrock says
This is a great article. I love the tips you have!
Debbie Campbell says
Some good tips, thanks very much!
Debbie P says
Thanks for the tips and advise. This was a great article.
Susan Smith says
We are saving up for an Alaskan cruise for our 30th wedding anniversary. We are setting aside $400 a month to pay for it.
feeroberts64 says
Interesting post with some great info.
jenny says
These are really great and easy tips!
Jen Freese says
I wish I had the “means” to do this, but no regular income!
ladymagnolia99 says
There are some great tips hear!!
Judy Cox
Sarah Hayes says
I like this challenge. definitely something I need to start now
Rachelle says
I love the 30% savings each month! This will add up over time. Cute graphics.
Reviewz by JewelzÂŽ says
These are amazing tips and it shows how small changes can really add up to huge amounts over time!
Amber says
Thanks for sharing â this is a really neat detailed budget and plan that inspires me! I hope to max out savings in my Roth IRA this year đ
Cynthia C says
I plan on saving on groceries by buying only what I need and wasting less.
Deborah Wellenstein says
We are retired, so are not too focused on long-term savings like we were before we retired. This year, I am looking to buy less, and use up the stuff I have!
Sandy Klocinski says
I really don’t have any savings goals since I am fairly comfortable (though I wouldn’t say wealthy). I think that many people are just so caught up in today that they don’t think about saving for tomorrow.
Melissa Shirley says
Thanks for the great tips. Being a single mom and trying to save money is a challenge.
Calvin says
Useful, especially since I love to save.
Maureen says
As I do not work due to a health issue I watch every penny I spend.
Lyndsey R. says
Wow! Some really cool techniques here!
slehan says
I have no debt. My house is paid off. I try to save every month.
slehan at juno dot com
Zoey says
This seems like a great money saving plan for the year.
gracefulcoffee says
Saving is so important! Thanks for sharing.
Marie G. says
These are great ideas and very inspiring. Thanks for sharing!
Teresa Kunberger says
I do not have any money saving tips for this year but maybe I should
rsbrandt44 says
My first goal for saving money is to get my hands on some of it.
punkin0001 says
Always nice to have a few goals and save a dime here and there.
helen0725 says
we need to make enough money to save and pay our bills, right now it isn’t possible đ
Nikolina84 says
Good luck with the challenge, Natalie!
DB says
My goal is just to save where I can. Thanks for these great tips.
Yona Williams says
I like the idea of taking 30-day breaks from the splurges we have (that really do add up every month).
elizabeth miller says
I have started back up couponing to get my stock pile back up. It helps so much it is crazy. I used to be into it but stopped for like the last 6 months of 2017 and now looking back at my grocery bills its crazy.
kathy pease says
My husband has an automatic savings plan through work where it is automatically taken out of his paycheck
Kari B says
I like doing money challenges annually. Having a goal helps me save more.