Introduction
Let’s talk honestly.
Saving money sounds simple but in real life?
It’s HARD.
Bills, rent, family needs, food, emergencies… everything is expensive 😭
Sometimes you look at your bank balance and think:
“Where did all my money go??”
If you’re asking yourself what to do if you can’t save money every month — you’re not alone. Many people struggle.
Your situation is real.
And it’s OK to start small ❤️
This guide will help you understand your money better and take small, gentle steps toward saving even if you feel stuck.
I also can’t save money ever month. Some of months are really stressful and full of Expenses. I manage them. If i manage them you can manage them too. I will guide you
1) Stop blaming yourself
You are not stupid or lazy.
Life is expensive — that’s just the truth.
Sometimes money is not enough.
Sometimes unexpected things happen.
Sometimes family needs extra support.
It doesn’t mean you’re bad with money.
It just means you’re human ❤️
Be kind to yourself first.
You can save — just step by step.
2) Understand where your money goes
Take a small notebook
Write only for 7 days:
✅ Income (money in)
✅ Expenses (money out)
You may be shocked 😂
Small things become big:
🍔 $5 food
☕ $3 coffee
📦 $10 online shopping
🚕 $8 rides
Repeat daily → big cost
No judgement.
Just awareness.
Sometimes i spent money without my knowledge. I had no idea where my money gone. But i maintain excel sheet for track down my expenses. Even coffee. It really helps me to save money.
3) Try the Tiny Savings Rule
Can’t save $100?
Save $10
Can’t save $10?
Save $1
Even $1 is success.
Because saving is first about habit, not number.
A tiny plant can grow into a tree 🌳
Same with your savings.
The 50-30-20 rule 🔗https://financialtipsforbeginners.com/the-50-30-20-rule/ I simply explain here how to use 50/30/20 rule to save money. It will help you. Read it after this. if like invest your time.
4) Make a “Bare Minimum” Budget
Divide your spending:
✅ Must-have (rent, bills, groceries)
✅ Useful (transport, phone)
❌ Wants (snacks, new clothes, daily treats)
Don’t remove happiness completely — just reduce a little.
It’s not punishment.
It’s planning ❤️
5) Fix the Big 3 Expenses
Most money goes to:
✔ Housing
✔ Food
✔ Transportation
Small adjustments help:
→ cook instead of eat out
→ bus sometimes instead of taxi
→ reduce subscriptions
You don’t need a big lifestyle change —
just small adjustments = big impact.
I had a experience when i lives in new york. I had indian friend. He avoid eat outs. Often he use public transportation. He not spend unnecessary money for subscription like netflix. He had a simple life style. I teach lessons from him. I followed him. I also became simple. I realized Living simple is better than living with stress.
6) Track 7 Days Only
Not 1 month — just 7 days.
Write every expense.
You’ll see habits clearly.
Maybe:
→ too many snacks 😅
→ emotional shopping
→ weekend spending
Awareness = power.
7) Pay Yourself First
When money arrives → save first.
Even $5 counts.
Put into:
✅ jar
✅ envelope
✅ savings account
You are telling yourself:
“My future matters.”
8) Manage emotional spending
Sometimes we buy things because we feel:
🥺 Sad
😟 Worried
😞 Lonely
😮💨 Stressed
We try to fill emotional emptiness with shopping.
But happiness doesn’t come from random purchases.
Try:
✅ walk
✅ music
✅ journaling
✅ talking to someone
Take care of your heart first ❤️🩹
9) Use the 48-Hour Rule
Before you buy something:
→ Wait 48 hours
Most of the time…
You’ll realize you don’t really need it. I personally follow this rule. Just wait 48 hours 😂
10) Increase income (slowly)
Even $30–$100 extra monthly can help.
You don’t need a second full job.
Try:
✓ Bake + sell food
✓ Freelance
✓ Online tutoring
✓ Sell unused items
✓ Weekend part-time
Small money → big relief.
11) Make a simple debt plan
Debt steals your money every month 😞
Try:
→ Pay highest interest first
→ Ask lender for lower interest
→ Avoid new loans
Each small payment = progress
How to control spending 🔗https://financialtipsforbeginners.com/control-your-spending-without-feeling-miserable/ I explain here how to control your spending without stress. Read this if have time.
12) Try No-Spend Days
Pick 1–2 days each week →
Spend nothing
Sometimes i challenge me. I got this as a fun challenge. It build my discipline.
13) Slow progress is still progress
You may see others buying new phones, traveling, looking rich online…
Don’t compare.
Your journey is yours 💛
Even small steps → growth
Even slow progress → progress
One day, you’ll look back proudly and say:
“I did it… step by step.”
Final Message
If you’re struggling and wondering what to do if you can’t save money every month, remember:
You are not behind.
You are not failing.
You are not alone.
Saving is a journey.
Some months you can save.
Some months you can’t.
That’s life.
Give yourself grace 🤝
Start tiny.
Be patient.
Believe in your future.
I believe in you. 💛