During this article, you will discover tips that will make all the difference in your financial life. Regardless of your financial situation, it is always possible to improve it even if you have debts.
Saving money is not an easy task, but you can do it. This difficult period is not meant to last. These 15 ways will help you in this mission to get you out of debt.

Some of these suggestions only take a few minutes, while others require a regular effort. Yet they are all simple and anyone can adopt them.

1) Establish a budget

An easy way is to build a budget at first. On the first day of a new month, keep receipts for everything you buy. 
Separate them into categories like restaurants, supermarkets and personal care. At the end of the month, you will be able to clearly see the main items of expenditure.

2) Build an emergency fund

It can make all the difference. Low-income families with at least 1,500 euros in an emergency fund are better off financially than moderate-income families who have not saved anything.
Emergency funds are very important in times of financial crisis.

3) Adopt the envelope system

If you're having trouble overspending, try the envelope budget system where you use the amount of money set for most expenses. 
And once the money is gone, you can not exceed the envelope amount: there is nothing left and you can not spend anything anymore.
You will learn how to better manage your budget with this envelope system. This system can help you get your finances in order.

4) Adopt the habit of saving AND saving

There is a difference between saving and saving money. So, do not just spend less, put the money in your savings account or in another type of application.

5) Save automatically

Setting up savings automatically is the easiest and most efficient way to save money. You will not spend it because it will already be spared.
Just choose the day you receive your salary and place it directly in a savings account or invest it in appropriate accounts.

6) Create short-term savings goals

Make a goal like booking 50 € per week or per month. People tend to save more effectively when they have short-term goals.

7) Use the 24-hour rule

These rules help you avoid buying expensive or unnecessary items. Think of all non-essential purchases for at least 24 hours. If after this time, you still think that the purchase is important, then yes, you can afford it.

8) If you can respect the rule, save that money

Take the value of the item you plan to buy and save it. This is a continuation of rule 7. Setting economic goals is an excellent strategy.

9) Put a reminder on your card

If, before each purchase, someone asked you if this was really important, you could reconsider this purchase. 
In the absence of this person, a good tactic may be to write a message on the back of your credit card. Something like "Do I really need this? For some people, it works!

10) Set a goal to reduce your credit card debt

Do you usually spend $ 500 or more per month on your credit card bill? Challenge yourself and try to cut it in half.
 Remember that the credit card is one of the first expenses we should consider to save money.

11) Register your accounts in automatic debit

Choosing this option ensures that your accounts are paid before their due date, thus avoiding interest charges.

12) Start saving for your children's university


It's never too early to start saving for the future. A good suggestion for increasing savings is to ask for contributions to this fund rather than gifts such as clothes and toys for the baby.

13) When buying clothes, remember that quality at a price

Not always saving at the moment is an advantage. Sometimes it makes sense to focus on quality rather than price. A very inexpensive piece may seem like a bargain, but if it wears out in less than a year of use, it will have no benefit.
When doing a shopping session, consider fabric, sewing and other factors that are related to the quality of the product.

14) Determine a day "do not buy"

How about making this effort once a week? It's better to cook what you have in the refrigerator and change the house program for a more intimate family program. Plan free activities such as games or movie nights.

15) Re-finance your debt

Consider whether you have the opportunity to re-finance your debt at a lower interest rate.