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Ever know you need to do something. You know how to do it. You know that it’s important but for some reason, you just can’t get up the drive to actually do it?

Saving is like that.

You want to, but you just don’t seem to. because it takes just a little more effort than you’re willing to give especially with all the other things you have going on.

This article highlights the 6 simplest ways for you to save more money than you ever had in a fun and easy way.

1. Outsmart yourself

The simplest way to save more money without having to do anything extra is to set up a fixed amount direct deposit from your employer to a savings account.

In this setup, every time you get paid, your employer automatically makes a deposit to the savings account you designate BEFORE you even get your paycheck. And you just get the balance of the check.

It’s easy because you don’t have to lift a finger, the savings gets deposited and you don’t have to feel the sting of taking out money and setting it aside.

2. Push yourself with a savings challenge

there are so many savings challenges available that you are guaranteed to find one you like.

Some easy challenges include saving all five dollar bills you receive, the 52-week challenge and the swear jar challenge. If you need some inspiration, here are a couple more for you.

I will warn you though, they are called challenges for a reason, and they will take a small amount of effort to get back on track when you forget. But it’s a great easy way to save money in the short-term.

3. Get some tech help

If you have no idea how to start saving money, or if you’d like to save a little more than you already are, then check out a money-saving app. There are quite a few to choose from that can meet your fancy.

qapital  great savings app for those who want to have fun while saving.

This apps gives a large variety of savings methods. From ’rounding-up’ to the nearest dollar (where they basically save your spare change), to incorporating social media (where you save every time your favorite celebrity makes a post on social media) to customizing your own savings conditions. learn more about qapital here.

digit great savings app for someone who doesn’t want to think about how much to save

is super smart at helping you save because it monitors your banking account and determines how much you can save. no more wondering if you’ll overdraft your account or waiting until the end of the month to see how much you can save. This app figures it out and does it for you.

acorns  a great app to kill two birds with one stone – learning how to save AND invest

This is similar to a roundup app, but goes one step further and invests the money for you. You make the jump from not just a saver, but to an investor that is earning passive income/returns and it’s all done automatically

4. Leave the wallet at home

You can’t talk about saving money without talking about cutting expenses, so the fourth easy step to saving more money than ever before is to set up a regular no-spend day (or weekend if you’re feeling ambitious).

No spend days are exactly what they sound like. A day when you can keep your cash in your wallet and avoid the impulse buys.

You can choose to do it whenever you want – a random Monday or the day after an expensive weekend/holiday – think Christmas and Thanksgiving. But we warned to do it right, it does take a little preparation. for example: if you know your gas tank is empty, then you probably shouldn’t plan for a no-spend day since you will likely need to spend on that day to get to work, etc.

Likewise, if it’s the regular team lunch, where everyone chips or goes out to eat, then you probably shouldn’t plan it for that day. You could alternatively plan for a ‘reduced’ spending day where you might cut an expense in half instead of removing it altogether

5. Get smart about debt

You’ve probably heard it before, but if you have debt, the smart way to save money on paying that debt down without paying (or doing) anything extra is to get better rates.

Michelle* (name changed to protect her identity) was paying over $900 per month in credit card payments to pay down her debt. With credit card interest rates over 20% most of her payments were going toward interest.

not only did she feel she wasn’t making any progress, but her balance showed it too. Michelle refinanced her debt into a 9.19% interest rate using Payoff was able to bring her monthly payment down to $500 a month.

She now saves that $400 per month that she can use to build up her emergency fund.

The process took a minute for pre-approval, a few hours to gather all the required information, and one day for approval of the funds. A few days after the funds cleared, he credit cards were paid off and she’s now saving big bucks each month.

I mean really, what could you do with an extra $400 a month ?

6. Save even when you spend

No matter what you think, how good you are at saving or how committed you are to never spend another dollar- at some point, you have to buy something.

No one is completely self sufficient

Food, water, shoes, gas etc. are necessary items that we buy at some point or another in our lives. And even if you grow your own food, you might need to medicine, supplies to fix your home etc.

So why no save money when you’re doing these tasks too?

Ebates is a completely free rewards program that gives you cash back when you purchase in-store or online. They even give you $10 when you make your first purchase. You’re already making money as soon as you start!

Sounds too good to be true right? Not this time. You can find out more in Is Ebates a scam? Everything you need to know about Ebates before you join.

So there you have it.

6 super easy ways to save more than you ever have before. So what are you going to do?

Going to keep doing things the way you’ve always done them?

Saving *IF* there is any money left over each month? Or are you going to make some changes and start saving money like the badass you are?

It’s up to you.

To your success!

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