Couponing 101 : How To Get The Most Bang For Your Buck

Are you concerned about the health of your money during this pandemic? If so, you'd be well within your right because these are really tough times. Many of us have lost a significant amount of money in our retirement accounts, stock market investments, or lost our main most significant source of income due to being furloughed.
You might be asking,  " How can I save money when I barely have any?"  We believe that you must first set your financial goals, be absolutely committed to reaching them, and remain disciplined throughout the process. Sometimes its not enough to simply say "I want to save" without having a solid purpose for putting your money away. Your reasons why will aid in keeping you on track to reaching your savings goals.

1. Tighten Up Your Emergency Fund

If you don't have a budget this is the time where you make one, if you do have a budget this is where you add the "savings" category. The first step in this process is to print out your last two bank statements, so grab your pen and highlighter. Why is this important? Because it's time to analyze where your money is actually going. Here's how to tackle this minor task;

• Highlight every single bill/liability and necessity and add that up. 
• Circle everything else that is not a necessity and add it up.

Once you have those two numbers you are now aware of two things; how much your bills are and how much left over you have to put away. Note: We didn't say saving would be without sacrifice.

Here's a list of free resources to help you with creating a solid monthly budget:
Fem Financial (Our Sister Company)
Budgets w/ Google Docs
Mint

2. Conserve Your Funds

These apps serve you like a personal finance assistant, they save your money for you and they make it easy for your to track your savings goals and have access to your funds if you need them.

1. Adjust Your Budget
• Chime is one of our favorites. A checking account that allows you to get your direct deposit up to 2 days earlier than other bank accounts, a savings account that you can easily transfer funds to.
• The most important feature; round up savings. The app rounds up your purchases to the next dollar and saves your change. Simply hit the activate button and the app does the hard work for you by putting your spare change into your virtual piggy bank.
• Bonus** Get $50 for opening a new account. That's $50 bucks right into your savings! Click Here To Get Your Welcome Cash
2. Cut ALL unnecessary spending
• Pause Subscriptions
• Bonus** You can make additional cash by referring your friends and family to the app.
3. Reach Out To Your Debtors or Creditors For Financial Relief
• Download this app to save + invest your spare change.
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3. Set Yourself Up To Win When This Is All Over

1. Ibotta
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2. Rakuten
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If you liked this article, please share with a friend! Don't forget to comment below one of the following: What are your thoughts on saving money when money is tight? What are your savings strategies? Or what has been your experience with any of the apps listed in this article? Pros & Cons?