Hustle Tight!

How To spend less than you earn

You save more money when you spend less than you earn.

  • If you want to gain financial independence, you need to find ways to spend less than you earn.

Spending more than you earn is not good for your finances.

You save more money when you spend less than you earn.

Here are ways to spend less than you earn.

1. Create and stick to a budget

Creating a budget would help you control your spending and curb your excess spending. But to make your budget work, you need to stick and follow through with your budget.

You can have a budget but you might not be able to follow through which means you’ll spend more than you are supposed to.

So to make your budget work, you need to stick and follow through with your monthly budget.

2. Live below your means

You can be earning good money, which means you are actually fine financially.

This can make you want to spend more money, but you would have a better finance and save more if you live below your means. This, on the other hand, would help you save more.

Living below your means would help you save extra cash you could have spent on irrelevant things which you can actually afford.

A perfect way to live below your means is to cut down cost on things you don’t necessarily need and can do without.

3. Do things yourself

Doing things yourself is another way you can spend less money on.

There are things you can do without the help of professionals, who would charge you for rendering services.

4. Build an emergency fund

An emergency fund may not seem like it belongs in a list about how to spend less than you earn, but it does.

An emergency fund gives you a buffer to take care of unexpected expenses so you don’t spend more than you earn by blowing your savings.

Your emergency fund gives you the freedom to move on to the next step.

5. Learn how to bargain

Bargaining is another way people can spend less.

You bargain not because you don’ have the money to get something but because you are looking for the perfect price for things you want to get, which means you don’t want to waste hard-earned money.

By Writer

For advert enquiries kindly send a mail to

Leave a Reply