Starting to save money is a great way to start your day. You can do this by making small changes in your daily routine and spending less than you would have if you weren’t so frugal.

You can also make small changes like buying groceries at the grocery store instead of going out for dinner or shopping for clothes. It’s important to keep track of all your expenses, because they will help you to stay on track with your savings goals.

A savings account will help you save money when you need it most. A Certificate of Deposit (CD) is an investment that allows you to withdraw money from your bank account without having to worry about losing it. This type of investment allows restricted withdrawals and is easier to use.

Create a spending plan and budget for each month. This will help you to know what your spending habits are and how much money you have left over. It can also help you to set realistic goals for the future.

Money has a time value, and holding onto it longer can save you money. If you pay for most of your expenses on a credit card, wait to make big-ticket purchases until after your billing cycle ends so you don’t end up having to shell out for that item until almost two months later. (Shin, L., Aug. 2016)

For those of you who are already on a small budget and the idea of saving an extra is unfeasible, try accessing your costs and take out one splurge. Whether it is hitting up Forever 21 or getting a monthly manicure, take that money and put it towards your travel savings. It might take months of saving $30, but hey, at least you are going somewhere. (Talty, A., May. 2014)


Shin, L. (Aug. 2016). 101 Ways To Save Money. Forbes. Retrieved from

Talty, A. (May. 2014). How To Save Serious Money For Travel. Forbes. Retrieved from