How to Save Your Money Realistically and Easily

Everyone knows how to save your money. So why don't we do it? Because often, the suggestions we get are either unrealistic or overly general. People tell us 'just don't spend as much.' That's wonderful -- but how do you do that? And other tips on how to save money are just as helpful, suggesting you only shop sales or reduce bill payments -- obvious suggestions that don't really tell you how to save.

Fortunately, I'm in the same boat as you: I want easy ways to save money that won't result in me sitting in a dark room eating instant noodles three meals a day. That's why I've researched the best ways to save money while remaining a realist.

Good ways to save money

Here are some quick, easy tips that will help you save more quickly.

1. If at all possible, disconnect your landline. Assuming you have a cell phone -- and most of us do -- you don't really need a landline, and it's probably costing you a bundle. Speaking of cell phones, have you checked your usage lately? Are you on the most cost efficient plan?

2. Buy secondhand. The days of secondhand stigmas are gone. You can buy designer clothes dirt cheap at a thrift shop and no one will ever know where they came from. In fact, since you won't look like everyone else who bought the Gap's latest trend, you'll probably find a lot of people asking where you got that outfit.

3. Make friends with the library. Books are expensive. Libraries are free. Borrowing instead of buying is a great money saving tip.

4. Reduce debt. It might feel like making large payments on your debts is counterintuitive: to save money, you should make lower payments and put the excess in a savings account, right? But it's actually better to lower your debts and have little money in savings. That way, you won't have interest hanging over your head. If you choose to bottom out your savings paying off debt, though, make sure you also have a line of credit for emergency use.

5. Make small changes. Brown bag your lunch. Brew your own coffee. Skip the afterwork drinks (or invite everyone to your place). Small changes like this can save you over $20 a week -- more if you've been in the habit of eating out frequently or buying daily coffees.

As you can see, there are many easy ways to save money. You don't have to pay someone for professional advice (a contradiction if there ever was one!). Just use common sense to make small changes, and you'll be amazed at how to save your money.

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