• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer
The Gracious Wife logo
  • Recipes
  • Family
    • Love & Marriage
    • Parenting
  • House & Home
    • Kitchen and Cooking Tips
    • Cleaning & Organization
    • Budget
  • Nav Social Menu

    • Facebook
    • Instagram
    • Pinterest
    • TikTok
    • YouTube

4 Ways to Motivate You to Save More Money

Feb 20, 2016 · 3 Comments

  • Share
  • Tweet
  • Mix

Start putting your money where you really want it (and need it!) with these 4 Ways to Motivate You to Save More Money.

Tips to help you save more money. Start putting your money where you really want it (and need it!) with these 4 Ways to Motivate You to Save More Money. | save money | frugal living
Photo: DollarPhotoClub.com

4 Ways to Motivate You to Save More Money

Let's face it.  For the average American, saving money is hard.  The economy is still down, prices and cost of living are still increasing, but your savings account seems to be stagnant, or even worse, dwindling. (I won't be talking about debt here, but if you find yourself in debt I highly recommend checking out Dave Ramsey's book.  He has some pretty ingenious financial ideas and great plans and worksheets.  You can find the book here.)

Just to be clear, I am NOT a financial expert, nor am I claiming to be. What I AM is the average American who, until I got into the right mindset, was struggling right alongside you to put money in savings.

 

Tips to help you save more money. Start putting your money where you really want it (and need it!) with these 4 Ways to Motivate You to Save More Money. | save money | frugal living
Photo: DollarPhotoClub.com

4 Ways to Motivate You to Save More Money

1.  Set Goals - I'm sure you've heard all the basics of savings: emergency funds, 3-6 months worth of living, retirement savings and 401k's, college savings,.... So I'll spare you the "responsibility sermon."  Of course, all of those savings funds are important, but they're not very motivational. What if  you never really need those emergency funds? And retirement is years away.

The trick to setting your goals is to be specific.  What do you really WANT to do in your life that you need savings for?  Do you want to retire and move to a tropical island?  Do you want to build your dream home?  Think specifically about your goals and then do a little research to find out how much those things cost.  When you have a very specific plan for the money you're putting aside and it's something you're actually excited about doing, not just feeling obligated toward, it becomes easier. Exciting even! Every dollar you put away is a step closer to your dream!

Your short-term and long-term monetary needs and goals may not always coincide, and that's okay.  Short-term goals keep you motivated to put money in that account, even when your long-term goals feel out of reach.  So if you really want that $1,000 flat-screen, tell yourself you can buy it as soon as you get $2,000 more in savings.  Anything to keep the momentum going.

 

2.  Save Little and Often - Instead of making large lump-sum goals, stick to smaller amounts more often.  A goal like $500 per month when you're strapped for cash in the first place and living paycheck-to-paycheck, sounds totally unattainable, leading you to hang your head and give up. Don't! Stick to small goals, like $20 per paycheck.  Save your change, and when you cash it in every few months, put it in savings.  When you're meeting these small goals, you'll feel successful, which will motivate you to keep going!  And watching your savings go up will inspire you to do more to get that number even higher! Which leads me to my next point:

 

3.  Keep a Savings Log - It doesn't have to be complicated.  Just grab a sheet of paper, write the date and your starting amount, even if it's $0.  Then, every time you save more, write it down on that same sheet.  This way you'll always know where you're at and how far you've come.  And watch out! The more you see the balance rising, the more you'll want to add to it! It's addictive!

 

4.  Save Your Savings - If you're trying to save money, you're probably also trying to live frugally. Reward your savings account when you make a good financial decision! For example, if you really want to eat out but you wisely choose to eat in instead, put the money you would have spent in savings.  This will really show you how much money you sometimes waste on things that are not needs.  You can use this for smaller things too.  Put that $1 you just saved from a coupon for something you would've bought anyway aside for savings.  Every penny counts, and it all adds up!

 

Did you like these 4 Ways to Motivate You to Save More Money? Find more on my Frugal Living board on Pinterest!

If you liked these 4 Ways to Motivate You to Save More Money, you might also like

Cooking and Kitchen Tips to Save Money - How we cut our grocery bill in half while over doubling our family size, and how you can too.

How to Cut Your Grocery Bill in Half

 

How to get started with budget meal planning to help you and your family save money and stay in your budget.

Budget Meal Planning Basics

 

How to set up your very own Home Management Binder, including FREE printables for the entire binder. Just print and put it together! From TheGraciousWife.com

Home Management Binder - FREE Printables

See More Budget and Frugal Tips

Never Miss a Thing!

Join our newsletter to get new recipes, tips, tricks, and tutorials every week!

Success! Now check your email to confirm your subscription.


There was an error submitting your subscription. Please try again.




 

Photo credits: DollarPhotoClub.com

Tips to help you save more money. Start putting your money where you really want it (and need it!) with these 4 Ways to Motivate You to Save More Money. | save money | frugal living

More Budget

  • Baby feet next to a car seat buckle
    Baby Essentials You Should Never Buy Used
  • 6 Baby Essentials to Buy Second Hand
  • Watermelon and berries in a large bowl with mint
    11 Fruits You Should Stock Up on This Summer - the BEST Fruit for the Lowest Prices
  • It's not too early to start planning for Christmas! Have an amazing Christmas and holiday season this year without going broke or into debt! Create a budget, and make sure your wallet is ready for the holidays too! Start planning ahead with these 6 things you can do right now to be financially prepared for Christmas early.
    6 Things to Do Now to Be Financially Ready for Christmas
  • Share
  • Tweet
  • Mix

Budget, For The Home Budget, Frugal Living

Reader Interactions

Comments

  1. Grace says

    February 23, 2016 at 4:42 pm

    I love #4! That's really original.I do try to live frugally and keep our costs down in general, but it still seems hard to grow the amount in our savings account. I think that #4, which ties in with #2 also, would definitely be helpful.

    Reply
  2. Julie @ Logger's Wife says

    February 25, 2016 at 7:49 am

    #2 really works for me. We try to set aside $10 per week. It isn't much but it is something. Another thing is we take the amount we saved shopping sales and using coupons and put that amount in savings. There are weeks where it just plain isn't possible but it is the goal.

    Reply
  3. Cara @ Fashionably Frugal says

    October 17, 2016 at 1:57 pm

    I love #2, it's so important to meet those little goals. When I put in even $10 I feel like I just saved $100. Making those little goals certainly gives me the encouragement I need to meet larger goals. Thank you for sharing these!

    Reply

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Recipe Rating




Primary Sidebar

Picture of Michelle Medlin, The Gracious Wife

Hello! I'm Michelle!
I'm a comfort food lover and self-taught cook with five amazing kids and a firefighter husband, surviving mostly on coffee. I love to create easy and delicious family recipes, and share creative family tips I've learned along the way.
Welcome to The Gracious Wife!
MORE ABOUT ME>>

Celebrate Memorial Day

Strawberry rhubarb crisp on a small white plate topped with vanilla ice cream with a spoon in it with a navy linen and fresh strawberries behind.

Strawberry Rhubarb Crisp

Preacher Cake topped with cream cheese frosting and chopped pecans on a small white plate.

Preacher Cake

Romesco pasta salad in a wooden bowl topped with freshly chopped parsley and a linen napkin behind.

Romesco Pasta Salad

Tabouli Salad in a wooden bowl topped with fresh tomatoes, two lemon slices, wedges of pita, with a spoon scooping out a bite.

Tabouli Salad

Overhead view of a cold veggie pizza topped with veggies like cucumber slices, shredded carrots, cherry tomatoes, fresh dill, and more, sitting on a parchment paper with a slice pulled out away from the rest.

Cold Veggie Pizza

Creamy Cucumber salad topped with fresh chives in a white ceramic bowl sitting on a rustic wood background.

Creamy Cucumber Salad

More Summer Recipes & Ideas

Summer Salads

Chicken tender being dipped into a small bowl of homemade honey mustard dip

Homemade Honey Mustard Dipping Sauce

Overhead view of honey mustard chicken salad with fresh greens, avocado slices, beans, red onions, chicken, and homemade honey mustard drizzled on top.

Honey Mustard Chicken Salad

Summer slaw with a creamy tangy dressing in a glass bowl with a silicone spoon taking a scoop out.

Summer Slaw

Large glass bowl of fruit salad with grapes, strawberries, and blueberries topped with lemon and lime wedges with a wooden spoon in the middle.

Easy Homemade Fruit Salad

Overhead view of Mexican street corn salad in a large wooden bowl topped with cotija cheese, chile lime seasoning, and lime slices next to a bunch of fresh cilantro and a striped linen napkin on a rustic background.

Mexican Street Corn Salad

A big bowl of Ambrosia salad with a cherry on top with mini marshmallows scattered around it.

Ambrosia Salad

Spicy mayo sauce being drizzled over a spicy tuna roll bowl next to wooden chopsticks and a white linen

Spicy Tuna Roll Bowl

Berry cheesecake salad topped with a sliced strawberry next to a lemon wedge and fresh raspberries

Berry Cheesecake Salad

Close up side view of Doritos Taco Salad in a large glass bowl with a bag of nacho cheese Doritos behind it.

Doritos Taco Salad

More Salad Recipes

Reader Favorites on The Gracious Wife

Close up picture of a Boston Cream Pie Cupcakes with a bite taken out on a marble background.

Boston Cream Pie Cupcakes

A glass mug of green mint white hot chocolate topped with whipped cream and crushed green mint candy pieces on a white marble surface surrounded by more star mint candies.

Mint White Hot Chocolate

A slice of no bake s'mores cheesecake topped with mini marshmallows and graham cracker crumbs on a small plate.

No Bake S'mores Cheesecake

Slice of crockpot breakfast casserole on a white plate with stainless steel crock pot in the background.

Crockpot Breakfast Casserole

A corner slice of chicken pot pie with golden crust on a small plate with a fork with a bite on it, on a rustic wood background with a striped linen

The BEST Chicken Pot Pie

Footer

  • About The Gracious Wife
  • Contact Us
  • Copyright Notice
  • Privacy Policy
  • Disclosure

You can find me here too!

  • Facebook
  • Instagram
  • LinkedIn
  • Pinterest
  • TikTok
  • Twitter
  • YouTube

Disclosure

The Gracious Wife is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. All our thoughts and opinions are our own and we are not paid for or mandated to provide a positive review.

2024© The Medlin Group
  • Blog
  • Contact Us

Copyright © 2025 The Gracious Wife ·

239 shares
239 shares