Clever Questions That Trick You Into Saving Money Everyday!

Clever Questions That Trick You Into Saving Money Everyday!

Saving money has got to be one of the biggest issues a young adult or ANY adult can have. I struggled with this issue for so long because I never seemed to have money when I needed it and living paycheck to paycheck just made no sense to me anymore. I have also heard so many young adults complain that, on top of that, adulting, in general, is hard. I couldn’t agree more. Being an adult can be a difficult journey. You’re expected to have a job. It is expected that you know about saving money, planning budgets and keeping it real. Plus there is so much pressure to have your life together before you’re thirty

“A simple fact that is hard to learn is that the time to save money is when you actually have it.” Joe Moore

Clever Questions That Trick You Into Saving Money

I have been an adult for a while now and have learned a thing or two about one of the most important parts of adulting- saving money. Saving money can be as difficult as you make it.

Sometimes we prioritize the wrong things or we find it too difficult to make simple sacrifices in order to have a better handle on our finances. Today I want to get into your heads a bit and I need you to open your imagination.

Take a few minutes and sit down, grab some pen and paper, and answer the following questions.


Sometimes we prioritize the wrong things and this prevents us from saving. Click To Tweet



-cooked more dinners at home and bought less fast food?

-spent less money on clothing and wore the same outfit thrice?

-stopped visiting the salon and painted your nails at home?

-didn’t care about becoming Instagram famous and lived below your means?

-cut up your credit cards and paid off all your debt?

-didn’t need to style your hair every week and got a low-maintenance haircut?

-stopped impulsive shopping and waited until special occasions to buy clothing?

-didn’t go to Starbucks and made your coffee at home?

-stopped wasting food and ate more leftovers or had them for lunch the next day?

-cancelled Netflix and spent more time outside enjoying nature?

-stopped going to the club every week and enjoyed being at home?


BLOG POST BUTTON Clever Questions That Trick You Into Saving Money Everyday!


-tried your hardest to save half of your paycheck every month and didn’t buy those new shoes?

-turned off the lights in rooms you weren’t in instead of leaving them as is?

-didn’t use an air conditioner and just used a fan or opened windows?

-didn’t go on twenty trips every year and just went on five?

-bought things in bulk and stopped spending on super brand name products?

-spent less time on your phone and actually opened a book?

-took shorter showers instead of spending an hour soaking?

-worked out at home and stopped going to the gym?

-didn’t shop on Black Friday and just let that “must-have item” go?


Small changes that we make in our lives can have huge results. Click To Tweet



It doesn’t take remarkable changes to help us save money. Living on a budget and learning how to save should be skills that all adults acquire. Small changes that we make in our lives can have huge results.

Money is necessary for living in this modern world. It shouldn’t, however, ruin our lives. Even if you’re unable to give up everything, think of the one or two things that you don’t need.

Use a bullet journal to keep track of your expenses and understand where your money is going. You can also create a road-map that shows you exactly where you want to be financially.

Try your hand at this daily saving money challenge and see just how much money you can actually save. If you want to kick butt in this lifetime you need to learn more about saving money. You need to get your finances in check.


BLOG POST BUTTON Clever Questions That Trick You Into Saving Money Everyday!


I hope you found some things to think about when it comes to saving money and learning how to effectively “adult”. Please be sure to check out these helpful tips on How To Kick Start Your New Year or these tips for How To Redefine And Redesign Your Life.

Also, let me know. What are some of your favourite money-saving hacks? Do you have problems saving money? I love reading your comments and hearing your thoughts so please comment down below. Please also like and share this post and sign up so you never miss a thing!

Until next time. Peace, love and prayers

Clever Questions To Help You Save Money
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  1. March 5, 2018 / 6:18 PM

    Saving money is really a difficult task to do. It takes a lot of discipline to do so. And yes, we need it for the future.

    • March 6, 2018 / 10:24 AM

      It takes discipline but I don’t think it is extremely hard just takes times

  2. March 5, 2018 / 10:25 PM

    Great tips you have pointed out! Most of them which I actually do. Paint my own nails, do my own hair, take showers not baths, cook meals and eat leftovers, even xut out the gym. But what do you do when that is not enough? What you realise sometimes is that you go through all of these cut backs lets say but then something pops up out of the blue and the money your saving ends up somewhere else. Then what? Any suggestions?

    • March 6, 2018 / 10:22 AM

      Sometimes things do pop up but that is why I tend to have the principle of spending after saving is complete. I also try to put down small amounts for an emergency fund in case something comes up

  3. March 5, 2018 / 10:45 PM

    I love saving money! But I admit, I probably buy food more than I should. I just HATE to cook. Still, I try to limit myself. I am debt free at least.

    • March 6, 2018 / 10:18 AM

      It is very good that you’re debt free. Maybe you could start out trying to make small dishes and then build up to full meals. It might be fun

  4. March 5, 2018 / 10:45 PM

    These are really great tips on saving, I stopped going to clubs long time ago that I have totally forgotten how they are nowadays.

    • March 6, 2018 / 10:18 AM

      Lol I have never been to one. Trust me, you are not missing a thing

  5. March 5, 2018 / 11:22 PM

    These are all things we do. It’s just the way I was raised, I guess, the habits followed me. We may eat out once a month, if we’re lucky, and that meal comes from Chick fil a. We don’t have Netflix, we bought an antenna. We never go to the salon. I paint my own nails or my daughters and I have “spa” nights and paint each others. I have become pretty handy with a pair of hair shears, and have cut my daughters’ hair for years. My hubby always buzzes his so a pair of clippers cost less than two trips to the barber for him. I am not about to spend money on anything that I can’t do myself.

    • March 6, 2018 / 10:17 AM

      This is excellent! Your money savings tips are amazing.

  6. March 5, 2018 / 11:24 PM

    I know for sure that I spend way too much money on fast food. I’d save a good $200 a month if I decided to eat at home instead.

    • March 6, 2018 / 10:17 AM

      It’s great that you recognized that. Now is the time to make the changes needed.

  7. March 5, 2018 / 11:39 PM

    We rarely go on grand vacations. And four years after I moved here in the US, I haven’t been back to the Philippines yet. As much as I long to go back, I don’t expect to be anytime soon because for a family of five to go on vacations is ridiculously expensive. Instead we go on day trips and visit national parks and museums in nearby towns and cities for fun. And that’s the most we could afford right now. But I admit I still have a lot to learn about saving money and living within our means. It’s a monthly struggle to keep on budget but we are trying our best. Thank you for sharing this.

    • March 6, 2018 / 10:16 AM

      It is wonderful that you are trying to live within a budget. I applaud your efforts and hope that one day you will be able to go back to the Philippines.

  8. March 6, 2018 / 12:11 AM

    I loved how you formatted this blog post! The topic is so important for young people and seasoned adults like me, lol

  9. Jay Colby
    March 6, 2018 / 2:00 AM

    Great tips I agree being a adult can be a difficult journey. But it can be done as long as you focus and don’t give up on yourself.

    • March 6, 2018 / 10:07 AM

      I agree that it can be as difficult as you make it out to be

  10. March 6, 2018 / 2:04 AM

    It’s all about finding that balance, am I right? The secret to life I think, with everything is this.

    • March 6, 2018 / 10:07 AM

      Yes, I agree that finding the balance in life is definitely key. It’s not that you can’t spend money, just do it wisely.

  11. March 6, 2018 / 4:24 AM

    I love the hypotheticals here. I mean what would happen if you just did all of those things? The answer is clearly: “Save Money”. I think these are great reminders that saving money is important and also great suggestions on how to do it and the questions to ask yourself.

    • March 6, 2018 / 10:05 AM

      Thank you so much. I hope everyone can make these small changes

  12. March 6, 2018 / 7:39 AM

    Well Dee, we’re adults, and this is our world.. I’ve been always making best efforts to be grateful for everything I have. My wife had quit her job, so we have to be smart in money management for living. In fact, I can keep buying clothes, hang out in coffee shops of our favorite, paying for my kids’ music school, and so on. Being grateful is the key. Nice sharing.. (y)

    • March 6, 2018 / 9:59 AM

      I am happy to hear that you always make an effort to save money

  13. March 6, 2018 / 9:20 AM

    These are some great tips, I like the idea of thinking about it in this way as well – because nothing will happen if you make those changes, life will still go on and your just have more pennies.

    • March 6, 2018 / 9:57 AM

      Life will go on but you will just become a but smarter about your finances

  14. March 6, 2018 / 10:43 AM

    You are so spot on with all of these ideas. I have always made coffee at home and only get my nails done for special occasions and I feel like I save so much money just doing those two things! I definitely need to get better at cooking more at home and shopping smarter at the grocery store! Will definitely be pinning this post!

    • March 6, 2018 / 11:29 AM

      Thank you so much. I hope many people get to adapt this kind of spending lifestyle

  15. March 6, 2018 / 10:49 AM

    I do follow some of those bullets and don’t spend in some areas but, do spend more in other areas. However your list is so extensive that it covers everyone.

    • March 6, 2018 / 11:27 AM

      It is great to hear that you are wise with your spending. OI tried to encompass as many types of spending habits as I could.

  16. blair villanueva
    March 6, 2018 / 12:22 PM

    I think saving money isn’t that hard. The hard part is the discipline of not spending easily. I always think twice if I will spend or not, and find other alternatives.

  17. March 6, 2018 / 12:26 PM

    Interesting post and things to think about. I live in the south though so I think I’ll keep the air conditioner!

  18. March 6, 2018 / 2:16 PM

    Budgeting is hands down the most important aspect of personal finance. It’s the main foundation from which you can grow!

  19. March 6, 2018 / 5:29 PM

    I agree, it doesn’t take much for you to be able to save money. Just cutting a few of the unnecessary expenses that you have can do so much to your finances.

    • March 10, 2018 / 12:13 PM

      That is very true. Small changes end up having really big outcomes

  20. Annreeba
    March 6, 2018 / 7:40 PM

    Great tips! Saving money is really a difficult task for me. I hope many people get to adapt this kind of spending lifestyle

    • March 10, 2018 / 12:09 PM

      I think that if you adapt small changes it will become easier

  21. March 6, 2018 / 8:12 PM

    I actually learnt a lot from this especially the “work-out at home” part and not engaging on impulsive buying and saving at least half of your earnings!

    Thanks for sharing!

  22. Floby Villaralvo
    March 6, 2018 / 8:19 PM

    Since childhood my parents learned us how to be a cheapy charlie, that would help us to our entire adulthood. These are very helpful for anyone who is struggling and wants to improve budgeting skills!Another awesome article from you never failed to amaze me.

  23. March 6, 2018 / 9:22 PM

    I am a huge money saver, I never buy anything unless I need it, have a discount code and can grab it at a bargain price otherwise it can wait. I always cook from scratch at home and always save at least a third of all earnings. My partner on the other hand is a massive spender so I have to keep a close eye on him or we would be broke x

    • March 10, 2018 / 12:08 PM

      Oh no! he sounds like maybe he needs to do the savings challenge

  24. March 6, 2018 / 9:22 PM

    Most of what you have highlighted to cut back on I already do but that is because I have no choice and don’t earn enough to spend anything on luxuries. But I agree we can all cut back to minimise costs.

    • March 9, 2018 / 9:11 PM

      It is good to hear that you are already a saver

  25. March 6, 2018 / 10:41 PM

    Adulting is hard! There are so many things that we as a whole could do to save more money. I like the suggestions you had. My husband and I have been trying to save money by cooking more meals at home. It sure helps!

    • March 9, 2018 / 8:45 PM

      That is great. Every little that you save really does help

  26. March 7, 2018 / 12:29 AM

    I actually implement quite a few of these tips myself! The main money saver for us was starting to cook at home, and I’m super passionate about cooking so it’s /always/ delicious!

    • March 9, 2018 / 8:42 PM

      Me too! I really enjoy cooking food. It makes me so happy

  27. Kiwi
    March 7, 2018 / 2:55 AM

    Easy great tips on how to save more money. Sometime we forget how aimless we spend money and we can be saving more.

    • March 9, 2018 / 8:41 PM

      Thank you so much. It can be easy to just spend without thought

  28. March 7, 2018 / 3:36 AM

    Saving money can be challenging for some,but if taught at an early age it becomes easier for some. You offered some excellent ways to save. Thank you for sharing.

  29. March 7, 2018 / 3:43 AM

    This is a great idea. I love this. I totally want to try it out too.

  30. March 7, 2018 / 3:56 AM

    I do think that a lot of small changes can help you save a lot of money! I should start with making my own lunch instead of buying it ahah xx corinne

    • March 8, 2018 / 9:22 PM

      I think carrying your lunch would be a great idea 😀

  31. Melissa
    March 7, 2018 / 4:22 AM

    This is such a great post! Saving money is so important and I love your practical tips!!

  32. March 7, 2018 / 5:18 AM

    We don’t waste money as much as these points do but we can always do better to save more.

  33. March 7, 2018 / 5:43 AM

    Saving money is one of our struggles and we always think of the what if’s. We cut a few things out, and doing a little bit better in saving though.

  34. March 7, 2018 / 6:31 AM

    This is the hardest thing!!! How to cut down on costs…I often say to myself Do I really need that?? That often stops me buying!!!!

    • March 8, 2018 / 8:44 PM

      That is fantastic! I use that alot and it works

  35. March 7, 2018 / 7:20 AM

    Hey Dee, Thanks for giving me so much to chew on. Your questions are sensible and thought provoking. As a mom, I’ve found I’m already (mostly) there. But, as with anything, I’ve always got room for improvement. 💕 xo, Evelyn, PathofPresence 🦋

    • March 8, 2018 / 8:08 PM

      Thank you for reading. It’s good to hear that you are mostly there and I always think anyone can be more improved

  36. March 7, 2018 / 9:13 AM

    “Living on a budget and learning how to save should be skills that all adults acquire.”

    Completely agree! It’s not something we think about at 20-something, but saving is so important to be able to retire at a decent (aka, younger) age, buy a house, take more trips in the future, and just live within our means. Great post!

    • March 8, 2018 / 7:59 PM

      Thank you! I wish more young adults would think this way.

  37. March 7, 2018 / 9:37 AM

    These are great tips. We eat out once a month as a treat, but I definitely cook every night to avoid spending money.

    • March 8, 2018 / 2:52 PM

      That is a great thing to do in order to save money

  38. March 7, 2018 / 10:30 AM

    These ideas are amazing! As you age you get more smarter about your financial choices, I used to get my nails done every week and have a spa day at least twice a month, and I used to buy expensive material items. I realize now that if I would have kept that trend going, I’d have no money in my pocket! I love this post, thanks for sharing.

    • March 8, 2018 / 1:43 PM

      You are so welcome. i used to do the same things until I realized it was just too much wasted money.

  39. March 7, 2018 / 11:33 AM

    Love this list of ideas to encourage ways to save. A great reminder for myself and something to teach my kids!

  40. March 7, 2018 / 11:44 AM

    Frugal living is extremely important with the costs of living going up but incomes aren’t rising the same amount. I believe saving for the future is something that a family must instil onto their kids… It is really difficult to do if you haven’t seen the “value” of money!

    • March 8, 2018 / 11:28 AM

      Yes if your parents never taught you the value of money, I think your financial situation in your young adult life will be a bit rough

  41. March 7, 2018 / 11:50 AM

    You brought up some really great ways to save money! This is definitely something I need to be better about and I appreciate your suggestions to get me started!

  42. March 7, 2018 / 12:04 PM

    These are awesome tips! I was taught from a young age to manage money and stick to a budget. This has always been so useful as an adult. I especially like your suggestion about saving leftovers for lunch the next day

    • March 7, 2018 / 6:13 PM

      Oh! Thank you. I do that alot and save alot on lunch money

  43. March 7, 2018 / 12:23 PM

    You make some very valid points. I’m a pretty good saver and for me it’s all about balance. While I don’t completely deprive myself, I don’t do any frivolous spending. I’ll tighten up on a few more things to get better results.

    • March 7, 2018 / 6:12 PM

      It’s great that you have a spending balance in your life. Keep at it.

  44. March 7, 2018 / 1:52 PM

    You spoke nothing but FACTS! I have to ask myself a lot of these questions. Because I could do better. Love this post!

    • March 7, 2018 / 6:06 PM

      Thank you so much. Sometimes we need to ask ourselves the hard questions.

  45. March 7, 2018 / 2:03 PM

    These are some great tips. Willing to stay on budget and implementing some tips to save money can definitely help a great deal.

  46. March 7, 2018 / 2:57 PM

    Rule of thumb for me is I compare the needs versus wants questions first before I buy anything. Do I need it? Or Do I just want it. i learned my lessons.

    • March 7, 2018 / 5:49 PM

      That is a good rule of thumb to follow. I have started doing that too

  47. Jeanelle
    March 7, 2018 / 2:57 PM

    This is amazing. My friend ask me how can I afford to travel so often and this is exactly what I say to them. Next time they ask I will send them to your blog.

    • March 7, 2018 / 5:49 PM

      Oh thank you so much. I really appreciate that!

  48. liza
    March 7, 2018 / 5:40 PM

    such great tips that I really need. Thank you s much for sharing this.

  49. March 7, 2018 / 9:55 PM

    This is really such a helpful post. I’m finishing up my junior year of college and taking my finances seriously is so important right now. I’m generally good about not having things I spend money on periodically like coffee/tea every day or getting my nails done and stuff like that but I do know there are thing’s I could really use cutting back on to help out so I can pay off my loans quicker after graduating and this list really helped me identify where there are things I could cut back on even a little to see an improvement in my saving account.

    • March 8, 2018 / 10:33 AM

      Yes there are many areas where we don’t even think to spend less on and when we do start cutting back the savings are amazing!

  50. Jessica Taylor
    March 7, 2018 / 10:59 PM

    I really need to start saving more money. I added up the amount of money I spend on fast food and it is nuts!

    • March 8, 2018 / 10:32 AM

      Isn’t it? The less we eat out the more money we will have

  51. March 7, 2018 / 11:08 PM

    Cutting out a lot of small little things has really let me save a lot more money than I expected. Being more frugal with shopping, cutting out fast food and sodas.. Every tiny bit really does help

  52. March 7, 2018 / 11:26 PM

    I need to hear these tips. I know we can save a lot more money than we do. I have decreased dining out that can be a big expense.

    • March 8, 2018 / 10:27 AM

      Yes you would be surprised to see how much people spend eating out!

  53. March 8, 2018 / 12:02 AM

    This is a great list. It’s a great list of things I really should think about doing to save money. Besides, being out in the world and doing free things is pretty good sometimes.

  54. Bobbi
    March 8, 2018 / 12:25 AM

    Saving money in just little places is so beneficial. We have definitely started eating out less and have saved so much!

  55. March 8, 2018 / 12:54 AM

    Speaking from experience, it’s hard to get started saving money. Once started though, it feels like the hurdle is over and from there on out it’s all about deciding what you can do without to save. Your post is so helpful on this topic.

  56. March 8, 2018 / 1:08 AM

    I really need to try these tips out. Finances can be so difficult!

    • March 8, 2018 / 9:17 AM

      Yes they can be but small changes are all you need to see big results.

  57. Lynne
    March 8, 2018 / 1:48 AM

    Love these tips! Our relationships with money should be positive rather than awful! It’s important to feel empowered about the financial component of our lives.
    Thanks for sharing!

  58. March 8, 2018 / 1:50 AM

    Budget planning is still tough to me. I often go from too much limited to going unnessesary overspending from time to time. I try to plan ahead and think but bumps like unexpected house fixes totally knock me out of regular budgeting

    • March 8, 2018 / 9:08 AM

      sometimes things happen and we just need to adapt. I find that putting down small amounts for an emergency fund can help

  59. March 8, 2018 / 2:07 AM

    That’s a great and motivating article. We don’t generally realize how cutting on few unwanted luxuries can save us a secure future! Thanks for the great tips.

  60. Joscelyn
    March 8, 2018 / 2:11 AM

    Great advice and tips! It’s hard saving money these days with so many distractions and flashy things, but we all have ways we could cut back to save.

    • March 8, 2018 / 9:03 AM

      Yes we just need to be willing to sacrifice a little here and there

  61. March 8, 2018 / 3:40 AM

    Saving money is my biggest goal this year. I would love to be able to afford a new car this year.

    • March 8, 2018 / 9:02 AM

      You can do it. Simple changes can make such a big difference in your life!

  62. March 8, 2018 / 3:57 AM

    These are great tips. I really wouldn’t have thought about a lot of these on my own!

  63. Ann F. Snook-Moreau
    March 8, 2018 / 5:48 AM

    These are great tips that help you cut your spending pretty painlessly. However, I do love to soak in a nice bath now and again! haha

    • March 8, 2018 / 9:00 AM

      I think every now and then is okay just not every single day

  64. March 8, 2018 / 6:40 AM

    I’m all for cutting up credit cards! I swear it always happens that we pay it off then rack it back up! It’s so annoying!

  65. March 8, 2018 / 9:53 AM

    You are talking about some great things that need for the life.Apart from saving money,it is not good to waste food.It is always good to cook some food at home as it is a great way to bond with family.After all,if anyone follow these tips,it will be a good start of a happy lifestyle together with saved money…

    • March 8, 2018 / 11:27 AM

      Oh thank you. I do believe so too. A lot of these are great family bonding times too

  66. Kim
    March 8, 2018 / 10:58 AM

    I definitely need to take this challenge! I’ve been spending way too much money lately!

  67. March 8, 2018 / 11:50 AM

    I would totally save so much money if I stopped my daily Starbucks runs haha. It’s definitely something to consider.

    • March 8, 2018 / 7:36 PM

      It definitely is. Maybe you could challenge yourself to stop drinking Starbucks for a month and see what happens

  68. Anchal
    March 8, 2018 / 5:56 PM

    These are some great ideas. We never think about these small changes we can make to save so much money.

    • March 8, 2018 / 7:17 PM

      Thank you. It really only takes a small change or two

  69. March 9, 2018 / 12:13 AM

    It totally takes discipline- we have been cooking at home more and its making a huge difference.

    • March 9, 2018 / 8:21 PM

      That is so great! I bet you have saved so much!!

  70. Sondra Barker
    March 9, 2018 / 2:12 AM

    Thanks for these money saving tips!! I need to implement them.

  71. March 9, 2018 / 5:06 AM

    those are some awesome tips! I will say though be careful with the buying in bulk because a lot of times it is not cheaper! I recently got a sams membership and before i do my shopping i always compare before i am in store! i am definitely no expert on saving money haha but i am really working on it on my own!

    • March 9, 2018 / 8:46 AM

      Oh thanks for the tip. Most times when I buy in bulk I do compare the prices

  72. March 9, 2018 / 7:32 PM

    Very good points and some sort of making reminders and realizations in life. Saving is really part of our adulting journey.

  73. Deboshree Dutta
    March 10, 2018 / 9:23 AM

    I learnt so much from this. Loved this read on saving money!

  74. March 13, 2018 / 5:22 PM

    This post was very helpful and encouraging. I definitely need to find a budget that works for me.

  75. Annreeba
    March 16, 2018 / 4:09 PM

    Your money savings tips are amazing. It’s hard saving money these days and your tips are great.

    • March 24, 2018 / 12:31 PM

      Thank you. It is great to hear that you’re saving

  76. March 18, 2018 / 3:09 AM

    These are great tips! I struggle at times to save money but I am working on it and your tips will be helpful!

  77. March 27, 2018 / 5:10 AM

    Having read this I thought it was very informative. I appreciate you taking the time and effort to put this article together. I once again find myself spending way to much time both reading and commenting. But so what, it was still worth it!

    • April 10, 2018 / 1:27 PM

      Well thank you so much for taking the time to comment here. I appreciate it 🙂

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