{"id":13629,"date":"2023-03-02T19:07:19","date_gmt":"2023-03-02T19:07:19","guid":{"rendered":"https:\/\/jboitnott.com\/?p=13629"},"modified":"2023-03-02T19:07:19","modified_gmt":"2023-03-02T19:07:19","slug":"how-to-plan-for-saving-money-each-month","status":"publish","type":"post","link":"https:\/\/jboitnott.com\/zh\/how-to-plan-for-saving-money-each-month\/","title":{"rendered":"How to Plan for Saving Money Each Month"},"content":{"rendered":"<p>What are your plans for your\u00a0<a href=\"https:\/\/due.com\/blog\/2023-is-going-to-be-a-year-of-big-retirement-changes\/\">retirement years<\/a>? According to the\u00a0<a href=\"https:\/\/transamericainstitute.org\/docs\/default-source\/research\/emerging-from-the-covid-19-pandemic-the-retirement-outlook-of-the-workforce.pdf\">2022 Transamerica Retirement Survey<\/a>, the top two retirement goals are \u201ctraveling\u201d and \u201cspending more time with family and friends.\u201d But to reach those goals, you\u2019ll need to know how to plan for saving money.<\/p>\n<p>Unfortunately, over half (55%) of Americans admit they\u2019re behind in their retirement savings. According to a\u00a0<a href=\"https:\/\/www.bankrate.com\/retirement\/retirement-savings-survey-october-2022\/\">survey from Bankrate<\/a>, more than a third (35%) claim to be \u201csignificantly behind.\u201d If this sounds familiar, don\u2019t panic.<\/p>\n<p>The following tips can help you learn how to plan for saving money every month.<\/p>\n<h2>1. Figure Out How Much Money You Need to Live Each Month<\/h2>\n<p>Start by calculating your personal cost of living. To do so, you\u2019ll need to add up your fixed, variable, and discretionary expenses.<\/p>\n<h3><span id=\"Fixed_Expenses\" class=\"ez-toc-section\"><\/span>Fixed Expenses<\/h3>\n<p>Fixed expenses are necessary costs that don\u2019t change from month to month. Common examples of fixed expenses are:<\/p>\n<ul>\n<li>Rent or mortgage<\/li>\n<li>Car payments<\/li>\n<li>Phone\/cable bills<\/li>\n<li>Insurance premiums<\/li>\n<li>Property taxes<\/li>\n<li>Student loans or other debt payments<\/li>\n<\/ul>\n<p>Don\u2019t factor in your savings just yet. Right now, you\u2019re seeking to determine the amount of money you absolutely need each month, and that starts with these fixed costs.<\/p>\n<h3><span id=\"Variable_Expenses\" class=\"ez-toc-section\"><\/span>Variable Expenses<\/h3>\n<p>Variable expenses are also necessary, but their amounts can vary from month to month. These include such expenses as:<\/p>\n<ul>\n<li>Groceries<\/li>\n<li>Utility bills<\/li>\n<li>Gas<\/li>\n<li>Clothing<\/li>\n<li>Credit card bills<\/li>\n<\/ul>\n<p>Remember that these are running averages and can peak during certain times of the year. You might consider adding up your utility bills from the last year and then dividing the total by 12 to calculate your monthly average.<\/p>\n<h3><span id=\"Discretionary_Expenses\" class=\"ez-toc-section\"><\/span>Discretionary Expenses<\/h3>\n<p>Finally, you\u2019ll need to account for discretionary\u00a0<a href=\"https:\/\/jboitnott.com\/zh\/6-useless-things-businesses-spend-too-much-money-on\/\">expenses<\/a>. These are the purchases you choose to make, such as:<\/p>\n<ul>\n<li>Meals\/coffee out<\/li>\n<li>Entertainment<\/li>\n<li>Streaming subscriptions<\/li>\n<li>Hobbies and sports<\/li>\n<li>Gym memberships<\/li>\n<\/ul>\n<p>If you\u2019re unsure where to start, look at your bank statements from the past three months (or more). This will give you an idea of where your money is going, and you can use the information as a foundation when learning how to plan for saving money.<\/p>\n<h2><span id=\"2_Create_a_Budget_that_Allocates_Money_for_Necessary_Expenses_Savings_and_Discretionary_Spending\" class=\"ez-toc-section\"><\/span>2. Create a Budget that Allocates Money for Necessary Expenses, Savings, and Discretionary Spending<\/h2>\n<p>Once you determine the amount of money you need each month, you can create a budget that meets these needs while leaving room for savings.<\/p>\n<p>Start by allocating money toward your fixed costs. Since these expenses remain constant, they make it easier to plan your overall budget. Next, divert money toward your variable and discretionary expenses.<\/p>\n<p>Remember that you\u2019re not trying to allocate your total monthly income but only enough to cover what you\u2019ll need from each category. This will ensure you have enough left over to put toward your savings.<\/p>\n<p>If you\u2019ve adequately budgeted, you should have enough remaining money to build your savings. Start by ensuring that you have a\u00a0<a href=\"https:\/\/due.com\/blog\/unexpected-expenses-to-prepare-for-in-retirement\/\">short-term savings account<\/a>. Having enough money on hand to cover three to six months of expenses can prevent you from tapping into your long-term savings if an emergency arises.<\/p>\n<p>Once your short-term savings are built, you can start working on your long-term savings account. Don\u2019t worry if you don\u2019t have enough to put in savings at present. Even small amounts can accumulate over time. Remember that you may have more to set aside once you pay off your car loan, student debt, and other time-limited bills.<\/p>\n<h2><span id=\"3_Make_Adjustments_as_Needed_to_Ensure_Youre_on_Track_to_Meet_Your_Goals\" class=\"ez-toc-section\"><\/span>3. Make Adjustments as Needed to Ensure You\u2019re on Track to Meet Your Goals<\/h2>\n<p>To learn how to plan for saving money, you\u2019ll need to prepare yourself for something of a reality check. First, compare the budget you\u2019ve created to how much you\u2019ve actually been spending each month. It could be that your current spending habits are not in line with your financial goals.<\/p>\n<p>If that\u2019s the case, don\u2019t panic. Now is the time to align your personal spending habits with your long-term goals. You probably won\u2019t be able to eliminate needed expenses, but the following suggestions can help you trim your variable and discretionary expenses:<\/p>\n<ul>\n<li>Cut back on gourmet coffee or dining out<\/li>\n<li>Eliminate one or more streaming services<\/li>\n<li>Cancel unused subscription services<\/li>\n<li>Buy store-brand products<\/li>\n<li>Use coupons to purchase groceries<\/li>\n<li>Adjust your thermostat to lower utility bills<\/li>\n<\/ul>\n<p>Admittedly, these changes can take some time to get used to. So make a game of it. Challenge yourself to eliminate one takeout meal or gourmet coffee next week. Then, the week after, challenge yourself to eliminate another discretionary purchase.<\/p>\n<p>Before you know it, you\u2019ll meet your desired budget, and you\u2019ll have plenty of room to save for the future.<\/p>\n<h2><span id=\"4_Automate_Your_Finances_So_Youre_Not_Tempted_to_Spend_More_Than_You_Have_Allocated\" class=\"ez-toc-section\"><\/span>4. Automate Your Finances, So You\u2019re Not Tempted to Spend More Than You Have Allocated<\/h2>\n<p>Knowing how to plan for saving money is the easy part. The hard part is\u00a0<a href=\"https:\/\/due.com\/blog\/living-a-good-life-or-saving-for-retirement\/\">sticking to your budget<\/a>. But you can make it easier by automating your finances.<\/p>\n<p>Many consumers already rely on automated bill payments to cover recurring expenses. But some banks let you take this a step further by automatically transferring money between your checking and savings accounts.<\/p>\n<p>For example, you could set up an automated transfer that ensures you set aside money for monthly savings. This means you won\u2019t be tempted to spend before you have a chance to save.<\/p>\n<p>Just be careful with automated payments. It\u2019s easy to lose track of which companies can access your payment details. It\u2019s too easy to sign up for automated services only to have the company raise the price later. This can derail your budget and even cause an overdraft if you\u2019re not careful.<\/p>\n<p>Otherwise, keeping tabs on your automated payments can be a convenient way to stay on track and even build your credit by making consistent on-time bill payments.<\/p>\n<h2><span id=\"5_Make_a_Plan_to_Pay_Off_Any_High-Interest_Debt\" class=\"ez-toc-section\"><\/span>5. Make a Plan to Pay Off Any High-Interest Debt<\/h2>\n<p>While most of the adjustments you make to your budget will focus on variable costs and discretionary purchases, you can also cut back on certain fixed expenses.<\/p>\n<p>Many of these costs come from high-interest debt such as credit card bills, student loans, or car payments. You can free up some room in your budget by eliminating these expenses as soon as possible. Here are two common strategies for doing so.<\/p>\n<h3><span id=\"The_Snowball_Method\" class=\"ez-toc-section\"><\/span>The Snowball Method<\/h3>\n<p>Start by paying off your smallest debt first. Then, once you eliminate this debt, apply the amount you were paying to your next-highest debt. The goal is to allow your payments to \u201csnowball\u201d until you\u2019ve eliminated all smaller debt and you can now afford to make more significant progress on your larger debt elimination.<\/p>\n<h3><span id=\"The_Avalanche_Method\" class=\"ez-toc-section\"><\/span>The Avalanche Method<\/h3>\n<p>The avalanche method works in reverse. Start by paying off your largest bills (or loans with the highest interest rates), then work your way down to your smaller bills. This will help you cut out your largest bills as quickly as possible. Just be aware that since some debts can be pretty high (student loans, for example), eliminating these expenses may take a while.<\/p>\n<h3><span id=\"Caution_Watch_Out_for_Prepayment_Fees\" class=\"ez-toc-section\"><\/span>Caution: Watch Out for Prepayment Fees<\/h3>\n<p>While eliminating credit card debt is a wise choice, not all of your debts can be paid off so easily. For example, some mortgages and car loans have prepayment penalties that will charge you money if you attempt to pay off your debt too early. So check to ensure that paying off your debts won\u2019t result in added charges. Discipline your spending, buy only what you need, and avoid impulse buys.<\/p>\n<p>Keep a tight rein on your wallet. It\u2019s easy to get carried away and buy more than what you need. So instead, stick to the essentials, and avoid impulse purchases that can\u00a0<a href=\"https:\/\/due.com\/blog\/ways-youre-blowing-your-retirement-savings\/\">derail your budget<\/a>.<\/p>\n<p>Easier said than done? When learning how to plan to save money, you\u2019ll need to develop some discipline in your purchases. Here are some workable strategies.<\/p>\n<h3><span id=\"Stick_to_a_Grocery_List\" class=\"ez-toc-section\"><\/span>Stick to a Grocery List<\/h3>\n<p>Before you go grocery shopping, make a list of your essentials. This prevents you from making snap decisions or being influenced by store displays once you\u2019re there. Eat before you go to the grocery store so that you aren\u2019t hungry \u2014 hunger can overcome your good senses.<\/p>\n<h3><span id=\"Give_Yourself_Time_to_Think_About_It\" class=\"ez-toc-section\"><\/span>Give Yourself\u00a0 Time to Think About It<\/h3>\n<p>Impulse decisions happen quickly. Discipline yourself to think about your spending before making the purchase. When shopping, put the item down and return to it before you leave. Or leave the item in your online shopping cart until you can determine how it fits your budget.<\/p>\n<p>If, after this pause, you decide you genuinely need the item, then you can complete the transaction.<\/p>\n<h3><span id=\"Pay_for_Discretionary_Purchases_in_Cash\" class=\"ez-toc-section\"><\/span>Pay for Discretionary Purchases in Cash<\/h3>\n<p>Pay for your significant bills using automated bill pay, but complete your discretionary purchases with cash. That way, you will always have a limited amount of money to draw from and can make buying decisions accordingly.<\/p>\n<h2><span id=\"7_Celebrate_Small_Victories_Along_the_Way_as_You_Work_Toward_Your_Financial_Goals\" class=\"ez-toc-section\"><\/span>6. Celebrate Small Victories Along the Way as You Work Toward Your Financial Goals<\/h2>\n<p>Your retirement years are basically a lifetime away. That\u2019s why it helps to set solid benchmarks to track your progress.<\/p>\n<p>For example, you might make it a goal to set aside 15% of your monthly income toward your retirement goal. Or you could make it a goal to set aside a year\u2019s salary for your retirement by your 30th birthday.<\/p>\n<p>Setting a series of short-term goals can help you track your progress toward retirement and give you a sense of accomplishment along the way.<\/p>\n<p>Knowing how to plan for saving money can also be your whole family\u2019s responsibility. If the family shares progress updates, you can celebrate the accomplishments together. Depending on their ages, your children might not be enthused about your retirement progress, but sharing these victories can\u00a0<a href=\"https:\/\/due.com\/blog\/eleven-tactics-let-teens-know-money-management\/\">help them learn<\/a>\u00a0the importance of long-term planning.<\/p>\n<h2><span id=\"8_Review_Your_Budget_Regularly_to_Make_Sure_it_Still_Meets_Your_Needs\" class=\"ez-toc-section\"><\/span>7. Review Your Budget Regularly to Make Sure it Still Meets Your Needs<\/h2>\n<p>Your financial circumstances change all the time. Your budget should do the same. Make a plan to review your budget at least once per year. This can help you make adjustments as you pay off debts or have more revenue to draw from.<\/p>\n<p>Reviewing your budget is especially important during\u00a0<a href=\"https:\/\/due.com\/blog\/how-to-stop-inflation-from-deflating-your-savings\/\">periods of inflation<\/a>. For example, higher prices at the grocery store and the gas pump may prompt you to adjust your variable expenses. In addition, you may need to reevaluate your regular expenses to ensure you\u2019re still able to\u00a0<a href=\"https:\/\/due.com\/blog\/singles-to-secure-retirement-finances\/\">allocate money to your savings<\/a>.<\/p>\n<p>You may find more income as you advance in your career. Raises at work will allow you to devote even more to your retirement savings or give you a bit more breathing room when it comes to dining out or entertainment.<\/p>\n<h2><span id=\"Changing_Your_Approach_to_Retirement\" class=\"ez-toc-section\"><\/span>Changing Your Approach to Retirement<\/h2>\n<p>Now that you know how to plan for saving money each month, it\u2019s time to put your knowledge into action. Due can help. At Due, we believe in helping our customers strategize and reach their retirement goals. We also\u00a0<a href=\"https:\/\/due.com\/blog\/annuity-options-for-retirement-savings-no-fuss-no-jargon-no-gimmicks\/\">offer an annuity<\/a>\u00a0that can provide a stable income during retirement.<\/p>\n<p>So no matter where you are in your financial journey, Due can help you. To learn more,\u00a0<a href=\"https:\/\/due.com\/\">contact Due today<\/a>.<\/p>\n<p><strong class=\"markup--strong markup--p-strong\"><em class=\"markup--em markup--p-em\">Thanks for reading! Do you want to create thought leadership articles like the one above? If you struggle to translate your ideas into content that will help build credibility and influence others, sign up to get John\u2019s latest online course \u201c<\/em><\/strong><a class=\"markup--anchor markup--p-anchor\" href=\"https:\/\/jboitnott.com\/zh\/writing-from-your-voice-course\/\" target=\"_blank\" rel=\"noopener\" data-href=\"https:\/\/jboitnott.com\/writing-from-your-voice-course\/\"><strong class=\"markup--strong markup--p-strong\"><em class=\"markup--em markup--p-em\">Writing From Your Voice<\/em><\/strong><\/a><strong class=\"markup--strong markup--p-strong\"><em class=\"markup--em markup--p-em\">\u201d here.<\/em><\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>What are your plans for your\u00a0retirement years? According to the\u00a02022 Transamerica Retirement Survey, the top two retirement goals are \u201ctraveling\u201d and \u201cspending more time with family and friends.\u201d But to reach those goals, you\u2019ll need to know how to plan for saving money. Unfortunately, over half (55%) of Americans admit they\u2019re behind in their retirement [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":13635,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1115],"tags":[1195,1194,1116,826,1118],"class_list":["post-13629","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-tips","tag-automated-budget","tag-expenses","tag-money-tips","tag-retirement","tag-savings"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Plan for Saving Money Each Month - John Boitnott<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/due.com\/blog\/how-to-plan-for-saving-money-each-month\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Plan for Saving Money Each Month - John Boitnott\" \/>\n<meta property=\"og:description\" content=\"What are your plans for your\u00a0retirement years? According to the\u00a02022 Transamerica Retirement Survey, the top two retirement goals are \u201ctraveling\u201d and \u201cspending more time with family and friends.\u201d But to reach those goals, you\u2019ll need to know how to plan for saving money. 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According to the\u00a02022 Transamerica Retirement Survey, the top two retirement goals are \u201ctraveling\u201d and \u201cspending more time with family and friends.\u201d But to reach those goals, you\u2019ll need to know how to plan for saving money. 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