Here is the simplest way to save money with little to no effort.
You don’t have to make more.
You don’t even have to build a budget.
All you have to do is transfer 10% of your paycheck to a savings account, every time you get paid.
Do this before you pay your bills, before you go out for an incredible night on the town, before you decide you need a new outfit.
If you need to dip into it, fine. But use it as a last resort, not a first option.
Then set your own guidelines:
Once I reach $250, I will never allow my savings account to go below $250.
Once I reach $500, I will never allow my savings account to go below $500.
Once I reach $1000, I’m buying a ticket to somewhere I’ve never been and going on vacation. I saved this money and I deserve a fucking trip!