No lie, saving money can be super, super difficult. Balling is easy, but getting to the balling stage? Not so much.

It's especially hard when you don't even know where you're supposed to start. Like, sure, having an extra $1000 at the end of the year sounds great and all, but... how?

Thankfully, there are certain tools in place that aim to answer that exact question, and to help us reach our financial goals. For example, having access to your credit score is super key when it comes to your money life. (And, protip, if you're not sure how you're doing in the credit department, you can use key free programs to check your credit score without hurting it, like Credit Keeper!)

In the meantime, though, there are a few small life adjustments you can make in order to save your wallet. Small sacrifices with huge payoffs? Um, yes. Please.


Buying your morning latte.

Woah woah woah, no one's saying to give up your coffee altogether. We all know that coffee is super key when it comes to functioning, thriving, and living in this modern 2017 world. 

But buying a latte or other specialty coffee every morning? Yeah, that adds up. Although a latte will only cost about $5 a day, at the end of the year, you're looking at $1200 down the drain - assuming you don't even buy any coffee during the weekends.

Instead of going fancy, try getting drip/filter coffee (which, protip, tends to have more caffeine in it than espresso-based beverages) for most of the week, or making a cup of joe at home and buying the beans in bulk. You can still splurge on your fave beverage once in a while, but you'll be putting away a whole lot of money - and you can use that to take a vacation, or even go on a huge shopping spree!  


Getting your nails done every week (or two). 

Having fresh nails is probably the easiest way to boost up your mood by about 97%... trust me, I know. Unfortunately, spending money on pampering yourself more than a few times a month is probably not the easiest way to boost up your cashflow.

Getting your nails done twice a month, for example, could cost roughly $100 per month - or $1200 a year! That's the price of a tropical vacation, just FYI. If you just go once a month or do your nails yourself, you could be saving a tremendous amount of money.

Plus, the more money you put away, the bigger the treat. So you could have acrylic ballerina nails to rival the Kardashians every single month of the year, or you could skip a few months and go on a trip. Juuusssttt saying. 


Eating out for lunch every single day.

via @weheartit

Don't. Don't do it. Do not do it. Yes, the temptation is everywhere, and yes, we are all foodies who enjoy eating and Instagramming our meals... but food is food and when a lunch might cost you about $15 per day, you're better off packing up something healthy and delicious from home. 

Because think about it. You don't even see that $15 fly away from your wallet and into your stomach, but at the end of the week, it adds up. If you spend at least, bare minimum, $75 a week on lunch, that's $300 a month. That's $3600 a year. That's the down payment on a car! 

No one's saying you're doomed to spend the rest of your life eating homemade food while your friends or coworkers are enjoying the rich tapestry that is eating out. Of course you can splurge on a meal here and there, but by packing something from home most of the time, you'll end up with a whole lot more money - and, TBH, you won't even be missing out on anything huge.


Ordering food online or through an app. 

Okay, if you are going to eat out, then try to avoid using food ordering apps. Sure, they're great in a pinch... but let's be real, that $5 delivery charge is so. Not. Cool.

Instead, get yourself to the actual restaurant and order for takeout whenever you can. The $5 fee might seem like short change to pay in order to not have to leave the house/office/school, but trust, it'll add up real quick.

And hey, with all the money you'll be saving, you can eventually splurge on the meal of a lifetime. Win/win!


Going to the bar more than twice a week.

via @graciecarroll

Let's be crystal clear here: there is absolutely nothing wrong with partying it up. Enjoy your life as much as you can! But also, maybe tone it down a notch in order to be able to afford many more extravagant parties in the future?

Because think about it. No matter what a night at the bar costs you, it's money that can be very easily spent on things you need... or bigger things you want.

So go ahead, live it up, but if you're going out more than once or twice a week, cut out the extra nights and put your coins away instead. Who knows, at the end of the year, you might even have enough saved up to throw a huge, epic party!


Nabbing a cab to work or class every day.

Real talk: taxis and ridesharing apps are expensive AF. Sure, hopping in the occasional cab every once in a while is fine. It's great. It's all good. But taking one every single day? Um, that's maybe going to have to be a no.

True, you probably won't even feel that $10, $20, or $30 at the time. In fact, you might even think it's worth it, considering you're getting a quick lift out of it. But considering that a super cheap alternative exists (the bus/subway/walking) and it can save you a solid chunk of money... well, you do the math. 


Getting all your shopping done... for everything.

Online shopping is probably the best invention of our lifetime. Need a dress? Buy it online. Need a hat? Buy it online. Need toilet paper? You got it. Online.

But just like ordering your food for delivery, shopping online comes with a high price. You'll probably get charged a significant delivery fee; or at the very least, you'll for sure end up buying some stuff you don't even really need.

Going to the store live at least eliminates the delivery surcharge... and sure, it's not very realistic to swear off online shopping for good, but reducing online purchases to only sale items, or to only items that are necessary, will seriously help you out. 

And having all that sweet delivery money saved up and lining your pockets? That's a beautiful thing. 


via @dothedaniel

Of course, there are so many more things you can do in order to help save money. Once you know what to do, and get a little more educated on how to make smart money decisions... well, the rest comes easy!

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