4 Less Strenuous Ways of Saving Money for Your Retirement

4 Less Strenuous Ways of Saving Money for Your Retirement
  • Opening Intro -

    Let’s face it. Saving money can sometimes be a series of painful sacrifices.

    However, there are better ways of saving money without too much strain.


You can still cut your spending without decreasing the quality of life. In this article, I will walk you through an all-inclusive guide to help you make informed saving decisions.

1. Take advantage of discounts

You can save money by asking for a discount and paying for cash when buying an item. It doesn’t hurt to ask. This works when buying grocery, a car, paying for your hospital bill etc. In addition, try to buy your goods from large business stores that offer good discounts.

2. Slash your car expenses

A car is not a luxury but a necessity. First, you need to save on your fuel costs. You can do this by driving less. \

It’s advisable that you combine your errands to avoid making several trips in and out of town. Remember, when you idle the engine, you’re wasting fuel.

Secondly, purchase your gas late or early in the day. During this time, the gas is more dense and cooler. This means, you’ll get more compared to buying the gas during the day. When temperature rises, the gas density goes down.

Thirdly, you should drive smoothly just below the set speed limit. When you accelerate quickly, the car consumes more fuel. Don’t forget to service your car regularly.

3. Open a separate savings account

With a second account, you can easily tell how much money you have left for your daily expenses.

You should have the discipline of dividing your paycheck. Make sure you do either a direct deposit or an automatic transfer in your savings account. If you want this to work, you should create a monthly budget to see how much money you need to spend the whole month without straining. Stick to the items on your list.

Economists recommend that you should not spend more than 70% of your total earnings. It’s more difficult to spend money you can’t see. With a little self-motivation, you can go a long way.

4. Exercise at home

Don’t sign up for expensive gyms that will cost you thousands of dollars every year. When the outside weather is conducive for exercising, get out and exercise. You only need to do the same workouts you do at the gym.

On the other hand, you can try the workouts on YouTube. However, this requires personal discipline. If you don’t exercise, you’ll spend more on health insurance premiums. Research has shown that those who exercise on a regular basis pay less health care costs.

Saving for the future doesn’t have to be a big sacrifice. Once you practice the above tips, you’ll realize how easy it’s to save money for your future. I would recommend you share the tips with your friends on social media to reap the benefits of saving money in less painful ways.

Consumer Tips reference:

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Last update on 2020-03-19 / Affiliate links / Images from Amazon Product Advertising API


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