It is so easy to spend more than we'd like to in Singapore and other developed parts of the world. Unless you are born with a silver spoon or you are just really lucky to be earning a lot of money every month, most of us need to save. If you are still living from paycheque to paycheque although
you have a regular job, it is high time you start reflecting and muster the discipline and courage to take charge of your finances. Saving money doesn't have to be miserable in any way, really. We at share our top five tips on how you can get started the easy way.

Saving Money: 5 Super Simple Ways To Start

1. Set your goals

Saving money may not come naturally to everyone. For some, saving is often perceived to be a chore. If this speaks to you, you might want to consider setting your goals, such as the amount you would like to have by the end of X months, the amount you would want to put aside as savings every month, that romantic vacation with your significant other to somewhere exotic, treating your parents to Business Class tickets, etc. Having a goal in mind will make the act of saving more bearable and meaningful.

2. Keep your goals in sight, literally

While easier said than done, keeping your goals in sight is incredibly crucial. Stick little memos on your office desk cubicle, your mirror at home, in your wallet or even on the refrigerator. Being constantly reminded of your goals and why you need to save will help you stay on track if you are determined to save your money and stop wasting cash like there's no tomorrow.

3. Start budgeting

You need to be real with yourself when it comes to your finances. While budgeting certainly isn't the most enjoyable thing to do after a long day or week at work, it gives you a clearer idea of how much you are spending, the areas you are overspending, and whether or not you are even saving.

It is important that you set a realistic budget and stick to it. If you find that difficult, check out these tips we have for you on the painless things you can do to stick to your budget. They will come in handy especially for those of you who are new to the world of budgeting habits.

4. Delete your credit card information from your phone's autofill function

There are really smart ways to save money when shopping online, but if your aim is to start saving and stop spending, one of the most important things you need to do is to make online shopping less convenient for yourself.

Shopaholics who shop on the go on their mobile phones do what they do because it is super easy to browse and pay for items online. With just a few clicks, the autofill function on your phone fills in your credit card information and you can even make instant payments through, say, Apple Pay - with this easy-to-use technology, paying for purchases online has never been easier or quicker!

Be disciplined and stop storing your credit card information on your phone. And in case you need more convincing, know that I've set my mind to it and deleted the information from the autofill function on my iPhone.

5. Automate your savings

Automating your savings is one of the easiest ways to make use of technology to help you in your endeavour to start saving money. First of all, decide on an amount you are comfortable with. Remember, it's okay to start small so long as you are consistent in saving. Then, automate your savings so that the amount you are saving each month is transferred automatically from your regular income-depositing savings account to another account dedicated to savings. Make sure that you do not touch this dedicated savings account.