How To Start Saving Money Even if You’re Lazy

The easiest way to start saving money is to make it automatic. Set up a small transfer to savings every week and you never have to think about it again.

That's good news if you're lazy.

When you get your paycheck and go shopping, you end up buying things you don't even need. As fast as money comes in, it can easily go out. You tell yourself you'll save this month, and guess what? It doesn't go as well as your plan.

So how can you finally learn how to save money each month?

5 Money Saving Tips

Here are five simple tips to help you start saving money each month, plus a few apps that do the work for you.

1. Set Up a Weekly Deposit

It's simple and something anyone can think of. You might say, sure, you have a bank account and you still can't save money.

So set up a fixed deposit every week. It can be a small amount. Stick to the schedule and you don't need to do anything else. The balance gets bigger every week, and you'll have much more saved by the end of the year.

Put it in an account that pays you interest. Here are the best high-yield savings accounts we compared.

An app that does this for you automatically is Qapital. It isn't free, though. Plans start at $3 a month after a 30-day free trial.

2. Keep a Piggy Bank

I think we all had a piggy bank or two when we were kids. So why shouldn't you keep one as an adult?

From my personal experience, a piggy bank is a good way to save money whether you are a kid or an adult.

Even if you spend too much on food delivery, you still end up with small change every day. Drop it in the piggy bank. Yes, every day. Make this a habit, and that small change becomes a big number little by little.

3. Invest a Little

If you are a bad spender, investing is a good way to spend your money. And when I say investment I don't mean gambling.

Put a small amount of each paycheck into index funds. You can also learn about generating social and environmental impact through impact investing.

There are tons of ways to get started with investing apps. Acorns, for example, rounds up your purchases and invests the spare change.

Just remember that investments can go down as well as up. This is for money you won't need for years.

4. Sell What You Don't Use

One day you walk into your room and notice it's full of stuff you bought and never needed.

Sound familiar? Sell the things you have too much of. You get cash for them, you get your room back, and the next time you want something new you'll think twice.

5. Let Someone You Trust Hold It

Since I am a bad spender I always give most of the money I have to my mother. In my personal opinion and experience, a mother is the best spender in existence (not an exaggeration).

Of course, not every mother is used to saving money. But there's probably someone in your family who is good at it. Let that person keep your money and it will be safe.

This is a little unconventional, and it goes without saying that you need absolute trust in that person. Living alone? After you get a paycheck, transfer the money to them.

Start Small

These tips might seem too simple. But trying them beats spending all of your paycheck on things you don't really need.

When you're ready for a bigger goal, here's how to save $1,000 a month. And for one more bill to cut, here's how to get free internet.

We also compared 10 apps that save money for you.

Compare Your Savings Options

Want an app to do the saving? Here's what each of these does and what it costs.

Prices are what each company listed on October 13, 2026. New to Ibotta? Read our Ibotta promo code guide first.

Guest Post by Md. Khairul Azam