5 Money Saving Tips in 2025

Break Your Goals into Smaller Steps

If you have a big goal, like saving $5,000, break it down into manageable chunks. How much does that translate to on a biweekly or monthly basis? For example:

• Biweekly: $5,000 ÷ 26 weeks = approximately $192 per pay period.

• Monthly: $5,000 ÷ 12 months = approximately $417 per month.

Breaking it down makes your goal feel more achievable and gives you a clear target to work toward.

Track Your Expenses & Financial Numbers

Tracking your expenses is one of the first steps in effectively managing your money. It helps you understand your finances, set realistic goals, and stay on track to achieving your financial goals.

Using the Wealth Savvy Budget Tracker is a good and simple way to start tracking your finances in 2025. I dare say this is your ultimate money tool for 2025—just be sure to use it. Plus, you can watch the walkthrough video to get started.

Stay Disciplined and Avoid Keeping Up with the Joneses in 2025

If you truly want to achieve your goals, discipline is key. Prioritize saving and make it a non-negotiable part of your budget. For me, I’ve committed to a #NoFoodDelivery Challenge in 2025, and I’ve set clear rules like deleting both apps, focusing on meal prepping, and allowing occasional dining out.

Remember, don’t compare yourself to others. You don’t know the full picture of their finances, and everyone has different privileges. Focus on maximizing your advantages and stay committed to your financial journey.

Accountability and Loud Budgeting

Accountability is key when managing your finances. Share your financial goals with someone you trust to stay on track. This way, they can help keep you accountable and encourage you when you need it most.

In addition, practice loud budgeting—be transparent about where your money is going and stick to your budget without feeling ashamed. Letting others know about your commitment to saving and budgeting not only reinforces your focus but also invites support. They can steer you away from financial decisions that could derail your goals and help keep you on the right path.

PS: Doing these two things helped me pay off $21k in student loans, so trust me—it works.

Automate Your Financial Goals

Automating your financial goals is one of the most impactful things you can do to stay consistent and actually hit those goals. It’s a simple action that takes the effort out of manually moving your money and ensures you’re saving without overthinking it.

For example, set up an automatic transfer to a High-Interest Savings Account (HISA)—and yes, you should be using one! It’s a great way to make your money work for you by earning higher interest compared to just leaving it sitting in your checking account. Whether it’s building your emergency fund, saving for a vacation, or working toward a bigger goal, automation makes it easy and stress-free.)

Let me know if you have any questions in the comments!