Let me start off by saying: I am in no way a professional, nor am I the best at taking others advice. But what I can say is this, I have done a respectable job at saving money along the years, and that I am proud of. So, if you’re interested in not living at home when you’re 45, or find yourself lacking financial freedom, please take a moment to consider some tips I’ve discovered along my journey to the wonderful world of savings.

So, from one adult to another, here are some simple ways to save money:

  1. First and foremost, always have a budget. And stick to it (this part is key), no exceptions. I don’t care if Justin Beiber is going to be at Red Rocks; if his sweet soulful voice is not included in your budget, DON’T YOU DARE BUY THOSE TICKETS.
  2. Get in the habit of putting a percentage of every paycheck in some sort of savings account. Whether it be a 401k, a mutual fund, a standard savings account, or all the above, MAKE IT A PRIORITY. Better yet, set up direct deposits, you can’t miss something you don’t have. You’ll thank yourself for this one, trust me.
  3. When looking to purchase something, try and ask yourself if it’s an actual necessity or just something you want. And if your world will continue to spin without this purchase, then PUT IT BACK. This one is hard but I can guarantee it will save you and your bank account.
  4. Finally, ALWAYS prepare for the unknown. Bad things happen to everyone, it’s not ideal but it’s a fact. Perfect example, I backed my car into a pole in my work parking garage last week. Was I happy about it? Of course not, but shit happens. And it’s much better to be financially prepared then find ourselves in a world of debt.

So my friends there it is, a few helpful tips that’s have helped me along the way. I understand creating budgets, and saving money isn’t always going to be fun, it might downright suck. You might have to say no to an event you’re dying to go to or you just might have to refrain from buying that sick pair of Yeezy’s that you so desperately want, but in the long run it will be worth it. I don’t know where you might be on your financial journey, or even where you want to be but if you have to take one thing away from this: remember this… save as much as you can, when you can.

XoXo,

Erika WG