Saving money can be simple.  Here are a few ideas to help you build up your savings account, save for a family vacation, a college fund, or add to your home emergency fund: 

1. Sign up with your employer to have your pay direct deposited, then have a set amount set to automatically deposit into your savings. You won’t see it, so you won’t miss it.

2. Have a change or dollar jar.  When you come home each day, add your coins to a large canning jar. Save dollar bills instead of spending them and add them to the jar as well.  When it gets full, take your coins to your bank’s coin counter, deposit the money, and start over again when you get home.

3. Cut the satellite or cable tv cord, and go with streaming media, which can cost you around $20 per month, depending on your preferences.  Take the difference you would normally pay to watch television, and deposit it into your savings. Who needs 150 channels, anyway?

4. Instead of stopping for to-go coffee every day, choose one day per week to splurge, and deposit the usual cost of the four coffees you don’t buy into your savings.  

5. Get a library card and check out DVD’s and books instead of renting or buying.  Ask the librarian about the OverDrive smartphone app that allows you to check out e-books, magazines and videos.  

6. Have a garage sale after a serious “stuff” purge, or sell your items online, and stash that money away.  Facebook Marketplace and selling apps make it easy to make money while cleaning out.

7. Sign up with a rebate shopping website like Ebates or Ibotta, and have the rebates sent to your PayPal account, and think of it as a no-interest savings account.

8. Stash about twenty dollars a month using online banking.  You’ve balanced your checking account, and you have a $327.58. Transfer $17.58 to your savings.

9. Once a loan or credit card balance is paid off, add the payment amount you would normally make to your savings.

10. If you use coupons or a loyalty card while grocery shopping, look for “You saved $X today!” on your receipt, and squirrel away that total in your savings. 

A few dollars here or a handful of change there doesn’t sound like a lot of savings, but it truly adds up.  Once you develop a routine, saving becomes second nature.  Checking in on the balance monthly will encourage you to continue adding to your savings hoard. Once you meet your savings goal, increase it and keep saving! 

Access Teri’s one-stop Orlando FL home search website.

Teri Isner is the team leader of Orlando Avenue Top Team and has been a Realtor for over 24 years. Teri has distinguished herself as a leader in the Orlando FL real estate market. Teri assists buyers looking for Orlando FL real estate for sale and aggressively markets Orlando FL homes for sale.

You deserve professional real estate service! You obtain the best results with Teri Isner plus you benefit from her marketing skills, experience and ability to network with other REALTORS®. Your job gets done pleasantly and efficiently.  You are able to make important decisions easily with fast, accurate information from Teri. The Orlando Avenue Top Team handles the details and follow-up that are important to the success of your transaction.

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Photo credit: National Debt Relief