3 Easy Ways To Build A Culture of Saving

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Hi! Today, I have Sophie who is sharing her expertise. Get ready to learn the importance of a saving culture. Saving is not a norm in our society with more and more people living paycheck to paycheck. Here are tips to build a culture of saving. Enjoy this guest post! 


You work hard every single day to earn money to cover your expenses and build a brighter future for you and your family. No matter how exhausting your job has become, you find it hard to leave because you have bills to pay.

Now for a better life in the years to come, you have to save up.

The question is, have you already started saving? How can you build a culture of savings?

To make things seem more natural for you, it could be wise to cultivate a culture of saving. Do it at home, at work, or wherever AND whenever possible. If you can, get other people involved, especially in your household where you have more control of your finances.

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What is Saving Culture?

A saving culture is a type of mentality.

Most people don’t save because they don’t feel like they have enough money to save.

Whereas the meaning of savings culture is to discipline yourself into saving money on a regular basis. Over time, your personal saving culture will lead to building wealth. Then, you will start feeling like you are living an abundant life.

In order to cultivating a saving culture, you must develop consistent saving habits into your life. These practices are so engrained into how you move through life that they become a second nature to you.

Why a Culture of Savings is Important?

What is Saving Culture?

Too many times, we will trick ourselves and say that we will start saving more money when we do any of the following:

  • pay off debt
  • get a pay raise
  • get a “real” adult job
  • have enough money to go around

Well, here is the big eye-opener for you…

You will never have enough money to start saving.

That is why a culture of savings is important.

You build solid saving habits, which goes hand in hand with building a savings culture.

Regardless of the income coming in, you train yourself to save something each pay period. Then, over time you can increase your savings percentage.

How to Build a Culture of Saving?

Why a Culture of Savings is Important?

Follow these three easy steps.

1. Commit to your End Goal

Saving could really be challenging for most of us. And the hardest part is starting it. Growing your savings may sound too overwhelming. Too much adulting for our dear millennials, and boring for the much younger ones.

How to deal with this?

List down your goals for building a fund and commit to it.

If you have never made a money goal before, then you must learn how to make your money goal and create your first money vision board.

One should have a strong motivation why they’re saving money. What are your priorities? There could probably be a need to move to a bigger house or maybe you wanted to start your retirement fund earlier. You can also check your bucket list. See how many items you can achieve if you have enough funds in your savings account.

Always keep in mind the goals that will make saving a sweet journey rather than a complete pain in the head.

Related Resources:

Savings Builder


2. Take a Financial Assessment

Look around and see how you are managing money.

It is a mess. Or do you have things in a pretty home money management binder?

Here are some financial assessment questions:

  1. Do you know where your money is?
  2. Are you spending less than you make?
  3. Have you started a saving culture?
  4. Do you have a budget?
  5. Is there an emergency fund set up?
  6. What about a rainy day fund?
  7. Are you happy with your spending?
  8. Do you want to do something different with how you spend money?
  9. Is debt withholding you from living the life you want?
  10. Are you making progress?

There is no right or wrong answer. You are accessing where you stand with your money. When trying to build a culture of savings, you must know of any obstacles that you must overcome.

The answers to your financial assessment will help guide you on what you need to do in order to take that next step towards building wealth.

For example… A budget is making a plan for you money. Plain and simple. No need to get fancy here.

Another example… By getting out of debt, it will help you to increase the amount of money saving culture.

Financial Health Tips:

3. Automate Saving

saving culture

Most of the time, your monthly salary just come and go — a hard truth for many people. You tend to forget setting aside a portion of it because of overlapping payables and unexpected expenses.

Turn saving into a habit. There are mobile apps that can help you track how much you save on a daily or monthly basis. Whenever you receive a notification, you don’t just dismiss that. Instead, you wholeheartedly set aside the amount that should go to your savings. Try this one.

It should be something that you do automatically every payday or whenever you have the chance to do so like when you receive a bonus or tip from your part-time job. Set up automatic transfer from your checking account to your savings account (if you don’t have it yet, then it’s time to open one. This is a great option.).

Tips to Automate Savings: 


4. Amount to Save with a Saving Culture

The amount to be transferred is up to you. Determine how much you can save every time you receive your pay.

Start small and be realistic. It’s better to take baby steps and watch your fund grow than to feed your account with huge amount for the first few months and then fail to continue.

You need to have enough money to spend in any circumstance that calls for it. So you have to be serious in growing your savings because, as mentioned earlier, it requires commitment.

You can continue to increase the amount you save on a regular basis.

Money Saving Challenges:

Develop a Culture of Saving with these Tips

meaning of savings culture

In a saving culture, you always make sure you are spending less than you make. One of the best ways to build a culture savings is to start off when the resources you already hav.e

1. Reduce

No, we’re not really talking about waste management here, although that’s somehow connected.

Reduce, in this discussion, is actually reducing your spendings, which is the quickest route to saving. Identify what triggers your mindless spending. Do ads on websites and apps easily persuade you to shop? If you often fall on these marketing traps, cut your browsing time in half and see if it would make any difference.

When it’s time for your weekly groceries, always make sure to have a list of what you really need to buy. In that way, you don’t have to sweep every aisle, which might increase the risk of buying on an impulse or creating a need. Since you probably memorize every corner of the grocery store, go straight to where your listed items are located. You’d realize how much money and time you get to save. Learn how to save money on groceries.

Tips to Reduce Your Spending:

2. Reuse

Do not throw away stuff that you can still put to good use.

Instead of buying desk organizers, you can clean and stylize empty coffee jars or canisters. If you need gift wrappers or personalized envelopes, use old magazine pages. And if you need additional containers in the kitchen, keep those takeout food boxes and repurpose them.

Imagine how much money you can save in a year if you try to reuse items at home.

Anything you can put to trash will go straight to the trash. Not everyone has the patience to transform a used item into a new product. Many might think that recycling will only add clutter around the house. If you don’t realize the purpose those items could have if you breathe a new life to them, let go and let others do the recycling for you.

One of the thrifty lifestyle habits is to reuse everything you possible can.

3. Recycle or Upcycle

You know where to find items that you can already let go but are still keeping? Your closet. Look at all the clothes inside it. How many of them do you still wear up to now? Pull out everything and segregate. Identify the ones you still frequently wear and the ones you don’t even remember you still have. Check out for slightly damaged pieces and those that are not a good fit to your current size and style anymore.

Chances are, half of the clothing items in your wardrobe could be off for swapping or donating. Better yet, they can be up for selling! You can save money by selling old clothes online, and that’s a favorable option for both your pocket and your closet.

Places to Recycle or Upcycle Your Stuff:

This works great for clothes, furniture, electronics or gifts.

Tips to Upcycle:


How do you adopt a saving culture?

How do you adopt a saving culture?

Will it always be easy if you put your eyes on the prize? Maybe yes, maybe no.

It depends on how badly you want it. Committing to your end goal means you will do whatever it takes to religiously set aside an amount to grow your fund.

If it helps, reward yourself every time you save. Enjoy a pampering foot soak or watch the sunset. The reward does not always have to be a material thing. It could be anything that makes you smile or feel happy about.

When you do this on a regular basis, saving money will gradually become fulfilling.

Serious commitment.


Sophie, is an aspiring blogger who loves to write articles about anything and everything under the sun. Get to know her by following her blog here: sophiesmithwriter.wordpress.com.

First of all, what is the definition of saving culture? Learn the importance of saving culture. Find money saving tips. Understand how to build a culture of saving. Get into the habit of saving money. Saving money ideas. Learn how to save money in your 20s. Put a priority on your financial planning.

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