5 Ways To Discipline Yourself Into Saving Money



My finances and I have a complex relationship. It’s taken me a few years to really work out how to manage my money in the best way and how to discipline myself into saving when all I want to do is spend spend spend! If you’re addicted to ASOS packages and living from paycheck to paycheck you need to take these five steps and manage that money!

There’s nothing more attractive than a girl in the green (we mean in your accounts obviously!).


1. Set up an automatic transfer between accounts

I have a small percentage of my monthly earnings automatically transferred into my savings account, so that each time I get paid I don’t even need to think about how much I intend to save,  it’s already done for me. This takes the stress out of managing my earnings and I also hardly even notice the money going out.


2. Make it a challenge

Every once in a while, I vow to stay well away from Starbucks and put any money that I would have spent on a coffee into my savings instead. It’s a hard challenge as I am a rather hardcore caffeine addict, but it’s astounding how much money I really waste on coffee when in hindsight I could make one at home or at work.

3. Give yourself an online shopping budget

I love online shopping just as much as the next person, but it causes havoc with my finances. The amount of money I spend on delivery is shameful. How many of us promise ourselves we will return items and never do? Here’s what you need to do, because shopping online is suuuuuper convenient (maybe too convenient!) try to tell yourself you will only allow yourself 10 minutes on a shop and only buy what you want after completing a task or achieving something.

Make sure you actually have the money you want to spend too, if you’re a payday shopper budget beforehand with an app like Daily Budget.

4. Make your own lunch

I used to spend most of my earnings each week on food but at around $5 a day it was costing me way too much. Since starting to make larger portions of food at dinner time I’m able to save some aside and take it to work the next day.

5. Don’t forget to allow for the odd treat

In fear of sounding like the fun police I want to make it clear that I do love the odd splurge, it’s just important to be sure you can afford to make those purchases once in a while so you can really enjoy them instead of feeling guilty!


  1. It is so hard to save money when you get you own money, working for them. I always felt like I shoud “reward” myself for that by spending money on things that I didn’t actually need.

  2. Savings account? Don’t you have a checking account to pay your bills by? That’s what I do

  3. I understand the concept of not buying online, however this is mostly about fashion. How about some other things, such as printer cartridges? These are oftentime a better deal if bought online.

    Just saying

  4. I can relate with the Starbucks coffee. Every time I have plans on going to SB just for my daily intake of coffee. I would ask myself if it’s really worth the shot especially the price I am going to pay. Just thinking the huge amount I’m gonna spend for coffee stops me for going there. So I would just drink coffee when I’m at home. Hihi :)

    Augustin Ra | Indie Spirit

  5. I usually take an amount of cash out (usually $100 a couple times a month) from my monthly paycheck from ATM for “walking around money”, gas, co-pays, incidentals, never coffee or snacks. I have taken to only taking out $80 instead but I’ve been taking our $100 increments for so long that I am able to make the $80 stretch and my mindset is still thinking $100. At the end of the month I transfer all that’s left into savings. It’s just a little fool-myself trick that works for me. Make any sense to anyone?

  6. I try and keep my monthly earnings in a separate account and just drip feed myself money into the account I use daily. I find this works best for me but I do find myself splurging too much sometimes!


  7. I drive past a Zarraffas (Aussie coffee franchise) every day and I am always tempted to pick one up on my way to work. My work has a Nespresso machine so it’s a free caffeine hit everyday or spend $5-$6 on a coffee. I’ve saved myself so much since I stopped buying my coffee out (literally works out to be just over $1000).
    Great article Sophie!

  8. I’ve never been one of those morons who like to spend $5 for a cup of coffee. I have always made it at home. I no longer date anyone so I save a ton that way. My money used to go on bars on payday weekends. I quit that and have changed my life style for a fitness one. But most money still goes by eating out (I get lonely eating at home alone). So I’m trying to eat at home but it sure takes discipline.

  9. I have a savings account set up to automatically deposit 10% of my checks. I tried having a regular savings account, but because it was linked to my checking account I would just transfer when I was running low on cash. I decided to open a separate savings account not linked to my account and with no debit card. So far I have managed to save a bit over $1500 in 3 months. 10% of my check plus after I budget all my expenses I write a check for any additional amount I want to save and send it out to the bank. I know $1,500 is not a big amount, but it is for me since I have never been able to save a dollar. It is just a lot more simple to achieve, I don’t think about it, I am not tempted to spend it, it was not deposit in my account so my mind doesn’t count on it as money available to spend. Hope this small tip works for someone.

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