A Piece of Advice on How to Save Means and Avoid Temptations

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At present saving money and managing finances are essential skills for our everyday life. If you want to survive in modern world, you should know how to deal with money. Unfortunately very few people really know how to budget properly and to keep within their household budget. Lots of people have difficult times trying to save money, though it’s for their own benefit.

How to Save Means and Avoid Temptations – Tips on Money Saving

You should be motivated to save money all the time, but in our life temptations often appear on our way and we sometimes spend certain amounts even before we know it. In such a way means supposed to be added up to the saving accounts go for purposes other than initially intended.

You will find below some tips which may help you avoid temptations and save your means:

1. Do your best to avoid things which prevent you from saving. If you are fond of buying dresses even when you do not really need them, stay away from clothing departments. Try hard to avoid temptation to buy a new pretty shift dress you’ve come across even if you know that considering this lending service is a good idea.

2. While shopping for food, make a list of what you need and take the exact amount of cash you need for it. If your money is limited, you will have to stick to your list and buy only the things you really need. The very process of making a list will make you more organized, reasonable and disciplined; you will learn to prioritize the necessary things. It’s not difficult to master the tricks of saving on groceries; you just need a bit of self-control.

3. Visit the malls only when it’s necessary. If there is no real need to make shopping, do not go it. Window-shopping will only result in a hard-to-resist temptation to buy a pretty dress you come across in one of the boutiques even if it’s not what you really need now.

4. Leave your credit cards at home. If you have a credit card with you, you will be tempted to purchase things which you do not need.Quick access to your financial means is not always good. If you do not have credit cards with you, it will result finally in lower balances and give you the advantage of proper credit score.

5. Save money on bank accounts, term deposits or make investments. When you keep means in the financial institutions, you do not have the temptation to take them from there any time cash is needed, especially if they are in time deposit accounts.

6. Turn for a professional help and advice from experts. There is a number of programs, which provide free services, sometimes even on line. In such a way you can get additional information on how to save money and resist the temptations you face.

Comments: 51

  1. Lorriane January 30, 2014 at 12:26 am Reply

    i struggle with saving money so i need to figure out how to save money better. Well i need to save just enough for a field trip that’s coming really soon so any suggestions

  2. Deedee January 30, 2014 at 12:01 pm Reply

    I’m only 14 so I don’t have a job and I’ve been saving my money for about 2 years and I have $300 and I’m soooooo tempted to just go on a shopping spree. Should I just spend it and wait to save when I get older? How important is saving money in high school?

  3. Etta January 30, 2014 at 5:27 pm Reply

    How do I save money if I am a 15 year old? Please don’t say a bank or anything. I put it in a drawer. I always spend it on a drink or something, or gum at this mini-mart. Should I just eat/drink from home and bring my stuff from home?

    How do I resist myself from spending it?

    How do I get a active paypal account if I am 15? When I try to give money to other people, it says you need a bank account. Please help, I want to start using it. Is getting money from songcritic.com good? How do I turn that into cash? Please don’t say use your parents. I know they won’t let me. Or any other good sites like this?

    What is a good way if everything else is bad, like to focus on the money you are saving or what?

  4. Virginia February 2, 2014 at 1:10 am Reply

    Wouldn’t the money saved on gas be spent on electricity?

  5. Dorethea February 2, 2014 at 1:29 pm Reply

    well im a student,but i want to buy a house in 5 yrs.does anyone have any effective ways of saving money?

  6. Miyoko February 3, 2014 at 10:11 pm Reply

    Could you give me some cost cutting things i could do around my house to save energy (enviroment) and save money?

    Thanks:) xxxxxxxxxx

  7. Tambra February 7, 2014 at 3:01 pm Reply

    I’m a teenager, and so I don’t have a bunch of bills and loans etc. Just everyday things to help save money 🙂

  8. Ray February 11, 2014 at 8:48 am Reply

    actually I don’t like spending too much money but when I see something nice I would like to buy it so I want to know how to save my money and thanks if you answer .
    Best Regards
    Joelle

  9. Crystle February 12, 2014 at 12:52 am Reply

    I’m saving up for a car, i’m only 16 but i’m sick to death of catching busses everywhere!, school, work, and friends places, i think it would be so much easier if i had a car.
    i’ve only got about $400 saved up, and want to be able to get my first car by this time next year. (october)
    but i find it very difficult to save money i seem to blow it on un important things like clothes, food, and gifts for others.

    PLEASE HELP !

  10. Lavern February 16, 2014 at 12:38 am Reply

    what percentage of amount we have save through monthly income and how to save money?

  11. Mack February 21, 2014 at 3:44 am Reply

    What is the best way to save money? I have a real problem when it comes to money… My Fiance and I are currently trying to pay off bills, and save some money, but find that we never have money to save, after all the bills are paid.

  12. Pedro February 22, 2014 at 1:57 am Reply

    My fiance and I are trying to save up for a deposit on a house, a wedding and a ‘baby fund’ for our future. This financial recession has hit us hard and being a young couple it feels like we;re never gonna be able to afford anything! I was wondering how you others cope? How do you save money, and what are your tips, either on saving money or managing money in general? Thanks =)
    Thought I’d add a few extra details. I am 21, my fiance is 27, he works full time and earns about £1,200 a month and I am a full time student but earn about £180 a month from my saturday job. At the moment our outgoings are about £1,100 a month so we have very little to live off. Our credit card usually makes up the difference as some months our outgoings are more than our incomings and we really struggle. We want to reduce our monthly outgoings so we can start paying off our debts and save. I will hopefully qualify as a teacher in 4 months time if all goes well and will start off on £21,000 a year in september but I want to know how to save money up until then so our credit cards don’t get out of control.

  13. Mari February 22, 2014 at 1:57 am Reply

    How do you save money in groceries and household items? If you agree, choose the best answer…thanks

  14. Shelton February 23, 2014 at 1:01 am Reply

    I recently started saving money by building a box made of hard wood and nailing all the pieces. It’s nearly impossible to break it and everything that goes in…never comes out unless i break it ( which is pretty hard to do)…so how do YOU guys save money? I want more ideas because i am becoming wiser with money. Thank you.

  15. Terrence March 10, 2014 at 6:02 am Reply

    What are some ways you and your family save money? Everyone has little tricks and tips on how to cut corners and save money. I would love to hear them!

  16. Nicolasa March 11, 2014 at 7:19 pm Reply

    How to manage money? How do you save money?
    How much do you put aside in bank, from your monthly salary?

    I am trying to save but I do not seem to be able to organise my finance well.Pls help.Any suggestion is welcomed!:)

  17. Dominica March 13, 2014 at 9:36 pm Reply

    Can you guys/girls share on what you do to save money? Anything in the home?

  18. Antione March 16, 2014 at 9:11 pm Reply

    some tips, and things that have worked for u and have helped u save money..
    Thanks!!!

  19. Morgan March 17, 2014 at 2:28 pm Reply

    Can anyone give me a strategy on how to save money and pay debts off at the same time please?

  20. Eilene March 26, 2014 at 2:03 pm Reply

    I need to know how to have the habit of saving money.im a spendthrift and would like to start saving for my future but i cant resist when i see things which are actually unnessary to buy.

  21. Trudi March 29, 2014 at 6:40 am Reply

    I make about 13$ an hour and i work around 20-24 hours a week and i get paid every 2 weeks. How can i save money! im verry bad at saving i spend around 100$ everyweekend need a good system i have a debit card and im always tempted to swipe just no savings account. i need help or a good budget. i have no bills but i do want to start saving for christmas gifts, a car, and maybe giving my mom a little money each month. and shopping and i need a new ipod. im planning on shopping for christmas gifts on black friday so i need lots of money to be saved up. im a freshman in college. second job ever.

  22. Willena March 31, 2014 at 10:31 am Reply

    OK well i am trying to save up for a 600 700 dollar laptop and so far i’ve saved 100….because that was Christmas money..so really i’ve saved like 25 dollars………yikes…..So what are some ways to save my money? I really and honestly try not to spend it but that is obviously not working……So i get 10 dollars a week so 40 dollars a month and my laptop is beetween 6 or 700.

  23. Cody April 2, 2014 at 1:21 pm Reply

    Hi I’m only 16 years old and want to save money to buy a Subaru Impreza WRX.
    I know my sister is also planning on buying one, but she smokes so she’d be wasting money on cigarettes.

    So I want to know if theres a really good way of saving money.
    And also if you ever saved up how effective was it? (your method of saving)

  24. Keshia April 3, 2014 at 12:03 am Reply

    Well im 13 and im moving to McKinney Tx in August and i REALLY want to start mountain biking… more specifically, Downhill mountain biking and i REALLY want the bike for it? how do i save money for one?? and my parents wont buy me one….

  25. Gregory April 3, 2014 at 4:18 am Reply

    why do we save money in a savings

  26. Bruna April 4, 2014 at 4:18 am Reply

    Im a 16 year old teen, i want to know how i can save money, i already have 20 dollars a week going into savings, but i always end up low on cash, i need help

  27. Kerry April 6, 2014 at 2:16 pm Reply

    & still be able to pay your bills and have a bit of money left?

    what are your strategies of saving money?

  28. Greta April 8, 2014 at 1:41 pm Reply

    Definitely Earning more money is important, but Saving the hard earned money is more important. Need some fresh tips on saving money.

  29. Megan April 9, 2014 at 4:11 am Reply

    I can’t save money because when I get it it’s always so many things to do I have a part time job now and I need a car and the next step is a stuido but its hard Im looking for another job. I have troubles saving money it burns a hole in my pocket please someone with no problems of saving money please help me it can change my life

  30. Rolf April 10, 2014 at 7:24 am Reply

    I am a 27 yr old male who makes a pretty good living. I contribute to my 401K about 17%. Have a few bills home,car,etc. My problem is I cant save money! I spend it and I am not sure what I spend it on. I never have a problem paying my bills but my bank account never seems to go up.

    My question is: What are some tricks you use to save money?

    -What do you do to make sure you wont spend it?

  31. Annetta April 10, 2014 at 8:35 am Reply

    how can i save money better? please tell me your secrets. and how to earn more money to.

  32. German April 15, 2014 at 3:28 am Reply

    what is an easy way to save money? I am 13, and I do not get pocket money. Usually, the sec I have money I have to spend it! LOL.

  33. Cortney April 21, 2014 at 7:51 pm Reply

    I’m trying to save money. Any tips would be great.

  34. Allyn April 25, 2014 at 12:05 am Reply

    Im 15 years old and getting a job soon. i want to start saving my money for the future so Im wondering which way would work better. ( i have a bank account)

    The first way is having one account for general spending money and one account for saving up money for a car. Then after I’ve got the car, keep on saving money for more more long term savings. I would probably put 25 to 50 percent of my income into my savings account this way and the rest in general spending money)

    Or the other way is having three accounts, one for general spending money, one for car savings and the other for long term savings. I would put 25 percent into each savings account and the rest in general spending money.

    Which way do you think would work better? Or changes on either one.

  35. Annice April 25, 2014 at 7:56 pm Reply

    My partner and I really need to start saving for a car, but we are hopeless at saving, our money goes so quickly and we dont know where it goes!!
    Weekly earnings are: $540 and we need about$50-$80 for grocerys and about $50 for ciggarettes! Thats all!
    Can anyone PLEASE help?!?!
    Thanks
    I know i should quit smoking, but thats not the question!!!

  36. Loni April 27, 2014 at 4:50 am Reply

    i have big problem with saving money. i can never save any money. when i go to school i never bring money because i know i’ll spend it all right away, but then if i don’t bring money i never have food. and if i try to hide my money ill just know where it is and get it and spend it how can i save money successfully? any tips or suggestions?

  37. Son April 28, 2014 at 6:35 pm Reply

    what’s the best way to save money on groceries?

  38. Valerie April 28, 2014 at 8:17 pm Reply

    What are your tips and tricks for saving money at the grocery store/ clothing stores/ everyday expenses???Trying to save some money and need all the advice I can get! Thanks!

  39. Eleonor May 3, 2014 at 11:30 pm Reply

    tips on how to save money with electric,cars,cell phone,house,food need advice and money saving tip advice on everything

  40. Candi May 9, 2014 at 9:41 pm Reply

    My family and I are going to disneyland this weekend. How can I save money at DIsneyland and still have a good time?

  41. Ai May 16, 2014 at 12:02 pm Reply

    I will be living on my own to savenmoney. Whatbare some tips to save money? I already never eat out/order food. Thanks

  42. Towanda May 17, 2014 at 10:50 am Reply

    Can you please just give me a short paragraph on why we need to save money?

  43. Annice May 18, 2014 at 7:48 am Reply

    Hello! I am a 19 year old college student studying business. For years I listen to many elders telling me to save money for a rainy day. Now I don’t spend money much (except food, gas, and SOMETIMES mall clothes). I look at other students on campus and I see them spending on new clothes, starbucks, fast foods all that stuff. At my age, should i be saving money already? or follow other students and spend on whatever?

  44. Carmon May 21, 2014 at 3:51 am Reply

    What are some good tips or techniques when it comes to saving money or how to make money, such as recycling and stuff?

  45. Will May 26, 2014 at 2:37 pm Reply

    People always want to save their money. They usually see it as a wise choice, but sometimes it could also make them seem selfish & cheap. Like if they rarely buy presents to exchange for the merry holidays or experience electricity once in awhile or go wear the same several clothes for years. Anyways, if you’re a totally not cheap type of person, then you’re more likely to go broke. How do you manage to spend without going broke & saving without looking like a shopping antagonist for years?

  46. Tierra May 27, 2014 at 1:49 pm Reply

    Here’s my situation, i’ve become addicted to saving money, I just can’t help it, I don’t know why i’ve gotten myself in this frame of mind, maybe its because of my fear of an uncertain future or that I come from a poor family, that makes me extremely cautious when spending any money.
    I’m currently at uni which piles a bunch of debts on me, but on the good side i’ve not spent any of my student/maintenance loan, my only debt is the course, instead i’ve been living of my part time job. But I only spend my wages on essentials, things I just can’t live without like transport and food. I don’t buy luxuries and if I had to, say the tape won’t hold my old trainers together anymore, I would still analyse every penny that I spend. I even collect pennies and would pick a penny up of the street.
    Also I don’t know if it’s a sign how much power TV has over me but, all this news about the credit crunch (UK) makes me an even more crazy saver.
    What do you make of my situation? What’s you situation?

  47. Zena May 28, 2014 at 12:44 pm Reply

    How can I save money when u get 50 dollars a week can u help me

  48. Tobias May 28, 2014 at 12:44 pm Reply

    I am terrible at it. I live paycheck to paycheck unnecessarily. I try to save money, but always end up spending it. How do you curb your temptation to spend?

  49. Hugo May 29, 2014 at 4:17 pm Reply

    Give me a short rap song (10 lines + ) about saving money.

  50. Pedro May 29, 2014 at 4:49 pm Reply

    I’m a junior in high school. I know it’s a year out, but my friends and I are thinking about taking our senior trip to Orlando to visit Disney World and Universal Studios. We calculated all the costs, and figured out that we would each need about $1000 to go. However, I know that that is a high estimate, especially with all the deals going on.

    Do you have any tips for saving money on our trip? I’ve been to Disney a dozen times before (most recently this past March), but always with my family, and my parents paid for everything, so I’m not familiar with the meal plans, etc. I get the feeling that if we end up going to Disney (like I really want to!) I’ll end up being the main planner, and I’d love to be able to tell everyone a reduced cost!

    Thanks in advance.
    We want to go for about ten total days, including driving time.

  51. Dexter June 1, 2014 at 11:27 am Reply

    how you save money this time?

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