What is the smartest way to save money?

Use these money-saving tips to generate ideas about the best ways to save money in your day-to-day life. Eliminate Your Debt. ... Set Savings Goals. ... Pay Yourself First. ... Stop Smoking. ... Take a ""Staycation"" ... Spend to Save. ... Utility Savings. ... Pack Your Lunch. More items...

regions.com - 10 Best Ways to Save Money | Saving Tips - Regions

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We all want to save money. And whether it's by denying yourself that $4 mocha latte once a week or putting off an exotic family vacation, everyone has their own way to save. Use these money-saving tips to generate ideas about the best ways to save money in your day-to-day life.

1. Eliminate Your Debt

If you're trying to save money through budgeting but still carrying a large debt burden, start with the debt. Not convinced? Add up how much you spend servicing your debt each month, and you'll quickly see. Once you're free from paying interest on your debt, that money can easily be put into savings. A personal line of credit is just one option for consolidating debt so you can better pay it off.

2. Set Savings Goals

One of the best ways to save money is by visualizing what you are saving for. If you need motivation, set saving targets along with a timeline to make it easier to save. Want to buy a house in three years with a 20 percent down payment? Now you have a target and know what you will need to save each month to achieve your goal. Use Regions savings calculators to make your goal!

3. Pay Yourself First

Set up an auto debit from your checking account to your savings account each payday. Whether it's $50 every two weeks or $500, don't cheat yourself out of a healthy long-term savings plan.

4. Stop Smoking

No, it's certainly not easy to quit, but if you smoke a pack and a half every day, that amounts to nearly $3,000 a year you can realize in savings if you quit. According to the Centers for Disease Control, the percentage of Americans who smoke cigarettes is now below 20 percent for the first time since at least the mid-1960s — join the club!

5. Take a "Staycation"

Though the term may be trendy, the thought behind it is solid: instead of dropping several thousand on airline tickets overseas, look in your own backyard for fun vacations close to home. If you can't drive the distance, look for cheap flights in your region.

6. Spend to Save

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Awaken your dormant DNA ability to attract wealth effortlessly

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Let's face it, utility costs seldom go down over time, so take charge now and weatherize your home. Call your utility company and ask for an energy audit or find a certified contractor who can give you a whole-home energy efficiency review. This will range from easy improvements like sealing windows and doors all the way to installing new insulation, siding or ENERGY STAR high-efficiency appliances and products. You could save thousands in utility costs over time.

7. Utility Savings

Lowering the thermostat on your water heater by 10°F can save you between 3-5 percent in energy costs. And installing an on-demand or tankless water heater can deliver up to 30 percent savings compared with a standard storage tank water heater.

8. Pack Your Lunch

An obvious money-saving tip is finding everyday savings. If buying lunch at work costs $7, but bringing lunch from home costs only $2, then over the course of a year, you can create a $1250 emergency fund or make a significant contribution to a college plan or retirement fund.

9. Create an Interest-Bearing Account

For most of us, keeping your savings separate from your checking account helps reduce the tendency to borrow from savings from time to time. If your goals are more long-term, consider products with higher yield rates like a Regions CD or Regions Money Market account for even better savings.

10. Annualize Your Spending

Do you pay $20 a week for snacks at the vending machine at your office? That's $1,000 you're removing from your budget for soda and snacks each year. Suddenly, that habit adds up to a substantial sum. Open a checking account online today. Need help deciding? We can help you find the right account for you.

regions.com - 10 Best Ways to Save Money | Saving Tips - Regions

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