6 Simple Ways To Begin Saving

I am sure you’ve heard plenty of advice or tips being shared online on ways to begin saving and what you should do to save more. The advice could be specific to an area like, savings on meals or savings on entertainment.

However sometimes the suggestions or tricks that you read about is difficult and tedious to implement, or it might not be applicable to your current circumstances.

This is why I am sharing 6 of my very own ways to begin saving. They are basic and general tips that you can immediately begin using to help you save in your everyday life!


6 Ways To Begin Saving

1.  Bring Your Own Water

Whenever I head out, I always bring my water bottle with me. This doesn’t have to be a very big bottle, just something that will fit into your bag.

This works for me as after a meal, I don’t have to spend that $1 or $1.50 on a drink. If you haven’t tried this, you can easily save $20 to $30 more a month!


2.  Eat Out Less

I do try to have my meals at home if possible (I do admit, I still go out from time to time) as it is much more cheaper compared to eating out.

If you cook for dinner, try to cook a bit more so you can have the leftovers for lunch tomorrow and you have to wash lesser pots and pans! (I don’t really like doing the dishes)

If you enjoy cooking, try to pack your own food for work! Look towards meal planning and you can save tons, especially if the food options around your area are all pretty expensive.


3.  Stop Snacking At Night!

I’m trying to follow my own advice. I have this habit of snacking at night, normally when I’m watching my shows or videos.

Snacking at night doesn’t have benefits and it’s a pretty costly “habit”.

Your body has a shorter period of time to digest your food before you sleep and this can build into a habit where you eat not because you’re hungry, but because you’re used to it! Currently I’m using fruits as substitution if I’m hungry at night as I try to cut out this bad habit.


4.   Buy Only When It’s On Offer/Discounts

I tend to frequent the same shops and use the same brands, so I have a rough idea when they tend to hold their sales. If I’m buying something online, I will search for discount codes or coupons that I can use(for online shopping, this is quite common)

So unless it is something that I really need urgently or else I’ll just wait for the sale to come around. This is an easy trick, however you need quite a lot of discipline for it to work.

There is always the temptation of buying it right away but you can save quite a bit if you wait!


5.   Use Public Transport

Singapore is a pretty well connected area, you can get from place to place using either trains or buses. I rarely take a cab or Uber unless I need to be somewhere urgently.

I have some friends who would frequently take cabs because they don’t want to squeeze but this is just one of the reasons why they don’t have any savings.

A single ride can be easily 5 to 10 times(depending on the distance and period) the cost of a bus or train ride. It just doesn’t feel smart to me and if you’re serious about saving you have to cut down on these unnecessary costs!


6.   Grouping Chores/Tasks Together

Whenever I have any chores or shopping that needs to be done, I try to do them all in one go. For example:

Returning my library book, buying some new stationery and collecting my package from the post office.

I would do them all in one trip or on the way when I’m coming home. I try to group my tasks together as this saves a lot of time and money that would be spent on travelling.


The Right Mindset To Have

Here is a different trick to save more. (Not part of the 6 ways to begin saving) It is effective but might not be considered as easy for many people.

Consider this, if you want to save more, you have 2 choices. The first way is to increase your income. The 2nd way is to cut your expenses. Which is the easiest method and you can do it immediately?

It’s the 2nd way! Cut your expenses! (Check out this article from Jim)

It takes time and effort to increase your income but cutting down on expenses is something everyone can immediately begin working on!


These are my 6 simple ways to begin saving that I use in my life to save a bit more money. Getting started is always the hardest, but once you get past the initial stage, it’ll become second nature to you. It’s a constant struggle between what you want now and what you want most! Good luck and keep working to make it happen!


Thanks for reading, I appreciate it! Let me know in the comments:

  • Have you heard of any unusual but effective method to save more?
  • Do you have any bad spending habits that you would like to change?
  • Is there any one action you can take right now to increase your savings?


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14 Replies to “6 Simple Ways To Begin Saving”

  1. These are all great tips! Number one is so important when you have children too because you can guarantee that they will want a drink and a snack!

    1. Yeah, it’s always good to be prepared or else you will have to spend time worrying about where to find these items. Just by being prepared, you can save yourself this problem!

  2. Great list, T! I take my own water everywhere. And – I love coffee, so I’ll often take a small travel mug along with some coffee. I like to keep snacks in the car too (nuts and granola bars).

    1. Hey great suggestions Amanda! Keeping some snacks in the car definitely works, plus points if they’re healthy!

  3. We cut out coffee and it made such a difference in our bank account!

    1. Hey Alexis, I am glad to hear there! I personally don’t drink coffee but I heard there’s plenty of benefits when you cut it out, though I’m not sure how many people can go without their coffee fix.

  4. Great post!
    I have been taking transit instead of driving since the end of 2014. It’s possibly the best decision I’ve ever made–no oil changes, no repairs, no insurance, and less hassle. Though, I need to improve at some of the other points you mention in this post. I need to stop snacking a night. There’s a dollar store in the same parking lot as my condo building is and I end up snacking too much as a result. I need to cut that and stop buying so many lunches out. That would definitely improve my saving. Thanks for the tips 🙂

    1. Haha, I see we succumb to the same temptation Graham! Definitely, using transit makes moving around much easier overall and less issues to worry about!

  5. It is crazy how much a bottle of water costs these days! In some cases, it is more expensive than a bottle of soda, so the market is actually encouraging unhealthy choices.

    Some writers harp on the fact that cutting small purchases doesn’t matter much – they call it the Latte Effect – but I disagree on the basic premise that it’s all about mindset. If you are lazy with the small things, you will be lazy with big things, too.

    1. I agree wholeheartedly, how you do anything is how you do everything. That’s what I feel and it’s really crazy how a bottle a of water costs more than a soft drink!

  6. These are great tips!!! I definitely need to start eating more fruits and veggies so I can stop snacking on junk at night. I say that after I just ate some sweets which provide no nutrition. Thanks for the great reminder.

    1. Haha, no problem Rob! I’m sure you’ll do great!

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