How To Start Saving Money Even if You’re Lazy

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A lot of people and I mean a lot of people spend too much money needlessly. Wouldn’t it make sense to learn how to start saving money properly?

Whether you are lazy or super ambitious, becoming a saving expert is important since we don’t know what the future holds.

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.

So you end up thinking, “I will save money 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?

If you’re strapped for time, let’s get started.

5 Money Savings Tips

Here are my top 5 money saving tips to help you learn how to start saving money each month!

1. Bank Account

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It’s simple and something anyone can think of. You might ask yeah sure I have a bank account and I still can’t save money. This is where my strategy comes and it’s simple as it can be. Set up a fixed deposit every week. You can deposit a small amount of money, keep the deposit deadline and you don’t need to do anything else. This money will turn bigger and bigger by the day and you will have much more saved by the end of the year. An app that does this for you automatically is Qapital.

2. Piggy Bank

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I think we all had a piggy bank or two when we were kids. But why shouldn’t we save in a piggy bank when we become adults. 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 are a bad spender or spend too much on food delivery small changes come every day and turn the small changes you have into your piggy bank every day. Yes, every day. Make this a habit. These small changes will become a big number little by little.

3. Investment

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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. Invest a small amount of the paycheck you are receiving to invest in some index funds. Learn about generating social and environmental impact through impact investing.

There are tons of way you can invest your money with free investing apps or by using companies like LendingClub.

But, think of it like this – if you put only $345 into an investing account at Lending Club and earned 14% year (pretty easy to do at Lending Club, you’d have $180,377 saved up in 30 years! Talk about saving money.

4. Recycle

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One day you enter your room and notice its somehow stifling. And why it wouldn’t be? Your room is full of unnecessary goods and commodities. You bought everything entered your eyes even when you didn’t need it. This calls for recycling. Recycle the stuff you have too much for cash and use them to buy new ones (since you like to spend so much). This will save you a good amount of cash.

5. Nothing beats a mother

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Personally, my best way to save money. 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). There was a time when our family was dire need of money and I saw my mothers dazzling figure how she saved money. Of course, not all mother are accustomed to saving money. But there must be someone in your family who is good at saving. Let that person keep your money and it will be safe.

This is a little unconventional but it goes without saying but you need absolute trust in that person. What happens if you are living alone? After getting a paycheck, transfer your money. There are many ways to transfer money nowadays.

These ways might be too simple or you might think. But better try than spending all of your paychecks on things you don’t really need. You don’t understand the importance of money or you might think you do. You wouldn’t read this article if you do. Next, check out some great articles that allow you to save more money, like this one on how to get free internet!

Interested in finding easy ways to save? Then you should know about these money saving options!

Compare Your Savings Options

qapital logo

get startedat Qapital


  • Qapital is a new way to bank that lets you save for the things you want, just by doing the things you do
  • This app makes saving is effortless, motivating, and even a little fun.
  • Rounds up change to nearest dollar and moves it into savings
  • Allows specific goals to be set and named
  • More Details >
  • Read a Qapital Review

get startedat Acorns


  • Invest your spare change automatically.
  • Join almost 4000000 people saving and investing every day.
  • Sign up in no time to save and invest more money
  • Money is invested in portfolio based on income and goals
  • More Details >
  • Read an Acorns Review
trim logo

get startedat Trim


  • Get Today For Personalized Recommendations To Automate Saving Money
  • Free Services Offered: Negotiate Cable Bills, Negotiate Bills, Cancel Subscriptions, Spend Tracking, & Get Refund For Price Drops
  • More Details >
  • Read a Trim Review
ibotta logo

get startedat Ibotta


  • Savings on Your Favorite Brands at Your Favorite Stores.
  • Register to Earn Today and Earn Real Cash
  • Save Time, Earn Cash. Even get a $10 New User Bonus.
  • Get Cash Back at Any Bar And Liquor Store and Retail, Grocery Store and More
  • Get More Details >
  • Read Our Full Review >

get startedat Rakuten


  • Find coupons and earn cash back at over 2500 stores when you shop at Rakuten
  • Save with online rebates, deals, promo codes and discounts
  • More Details >
  • Read a Rakuten Review

Featured:dosh logoget startedat Dosh

Short Description about Dosh

  • Get cash back on everyday purchases with the Dosh app.
  • No receipt scanning required!
  • One of the easiest and best ways to save money.
  • Best part? The app is totally free!

Guest Post by Md. Khairul Azam

Want free money?

  • Robinhood is a free investing app for your phone. I really mean free all around – free to join and they don’t charge any fees to buy or sell the stock. You can get a share of stock like Apple, Ford, or Sprint for free when you join through this link. The value of the free share may be anywhere between $2.50 and $500 and fluctuates based on market movements. You’ve got nothing to lose.
Brian Meiggs
Brian Meiggs
Brian is the guy behind TopSavings and My Millennial Guide and is a personal finance expert who has spent the last few years writing about how people can save and make more money. He has been quoted in several online publications, including Yahoo! Finance, NASDAQ, MSN Money, AOL, Discover Bank, GOBankingRates, Student Loan Hero, Fit Small Business, Cheapism, SmartAsset, Bankrate, RISE Credit, AllBusiness, Cheddar, Commonbond, Niche, Rewire, Credit Donkey,, and more. He uses the free Personal Capital app to manage his cash flow and net worth.