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If you want to save money, you need to first know what you’re spending – being aware of your daily spending habits can help you find savings in your day to day life.

The easiest way to do that is by keeping a budget…But “budget” doesn’t have to be an intimidating word.
It gets a bad rep, but when it boils down to it, it’s just about knowing how much money you have coming in and going out, so that it’s easier to make sure you’re not overspending (which is something a lot of people tend to do). But even if you’ve got a handle on your budget, there are still ways to cut down on unnecessary expenses. Here are just a few ideas:

Upgrades & Services
Check for upgrades and services you don’t use. Do you really need cable TV? Or do you just have it because it’s bundled with internet service? If so, try negotiating with your provider for a lower price or switching providers altogether. If they won’t budge, consider dropping cable altogether and getting an antenna instead! You’ll be able to watch all the shows you want—and plenty more—for free!

Or, you can simply be selective and choose 1 or 2 streaming services that will keep your entertainment appetite fulfilled, without the full cost of having cable TV.

Shopping Habits
Revamp your shopping habits. Behind are the days of clipping coupons. Today most retailers and brands offer a variety of ways to save money. In-store promotions are great ways to save money while shopping at stores like Target or Walmart. Discounts can equate to 20 or 25% off even if it’s presented differently. For example, a “Buy $20 or more and receive a $5 gift card” is the equivalent of getting a 25% discount!

Promo websites like Groupon and LivingSocial also offer deals on everything from restaurants and yoga classes, to vacations and experiences. Spending just a few hours a week on a budget can help save you tons on your regular bills and spending. Just set a goal and try it out!