Simple ways to save money

Sometimes1 the hardest thing about saving money2 is just getting started3. It can be difficult to figure out4 simple ways to save money and how to use your savings5 to pursue your financial goals6. This step-by-step guide7 can help you develop8 a realistic savings plan.

1.    Record your expenses9: The first step in saving money is to know how much you’re spending. For one month, keep a record of everything you spend10. That means11 every coffee, every newspaper and every snack12 you purchase13 for the entire month. Once14 you have your data, organize these numbers by category—for example, gas, groceries15 and so on16—and get the total amount for each one17.

2.    Make a budget18Now that you have a good idea of what you spend in a month, you can build a budget to plan your spending and make sure19 that you put money away20 in an emergency savings fund. Remember to include expenses that happen regularly, but not every month, like car maintenance21.

3.    Plan on saving money: Taking into consideration22 your monthly expenses and earnings23, create a savings category within24 your budget and try to make it at least25 10-15 percent of your net income26. If your expenses won't let you save that much, it might be time to cut back27. Look for28 non-essentials that you can spend less on — for example, entertainment and dining out29, before thinking about saving money on essentials such as30 your vehicle or home.

4.    Set savings goals31: Setting savings goals makes it much easier to get started. Begin by deciding how long it will take to reach33 each goal. Some short-term34 goals (which can usually take 1-3 years) include:
·     Starting an emergency fund to cover35 6 months to a year of living expenses36 (in case of job loss37 or other emergencies)
·     Saving money for a vacation38
·     Saving to buy a new car
·     Saving to pay taxes39 (if they are not already40 deducted by your employer)

Long-term41 savings goals are often several42 years or even decades away and can include:
·     Putting money away for your child's college education
·     Saving for a down payment44 on a house or to remodel your current home

5.    Decide on your priorities: Different people have different priorities when it comes to45 saving money, so you must decide which savings goals are most important to you. Part of this process is deciding how long you can wait to save for a goal and how much you want to put away each month to help you reach it.

6. Watch46 your savings grow47 : Check your progress every month. Not only will this help you stick to48 your personal savings plan, but it also helps you identify and fix49 problems quickly.  These simple ways to save money may even inspire you to save more and hit50 your goals faster.


1.    Sometimes = as vezes
2.    saving money = economizer dinheiro
3.    getting started = começar
4.    figure out = descobrir
5.    savings = economias
6.    pursue your financial goals = perseguir seus objetivos financeiros
7.    step-by-step guide = guia passo a passo
8.    develop = desenvolver
9.    Record your expenses = register suas despesas
10. Spend = gastar
11. Spend = significa
12. Snack = lance
13. Purchase = comprar
14. Once = uma vez que
15. Groceries = comestíveis
16. and so on = e assim por diante
17. get the total amount for each one = obtenha a quantidade total para cada um
18. budget = orçamento
19. make sure = certifique-se de que
20. put money away = guardar dinheiro
21. maintenance = manutenção
22. Taking into consideration = levando em consideração
23. Earnings = ganhos
24. Within = dentro do
25. at least = pelo menos
26. net income = renda líquida
27. it might be time to cut back = poderia ser tempo de cortar
28. Look for = procurer
29. dining out = jantar for a
30. such as = tais como
31. Set savings goals = estabelecer planos de economia
32. much easier to get started = muito mais facil de começar
33. how long it will take to reach = quanto tempo vai levar para alcançar
34. short-term = curto prazo
35. cover = cobrir
36. living expenses = custo de vida
37. job loss = perda de emprego
38. vacation = ferias
39. taxes = impostos
40. already = já
41. Long-term = longo prazo
42. Several = vários
43. Retirement = aposentadoria
44. down payment = entrada (pagamento inicial)
45. when it comes to = quando se trata de
46.  Watch = observe
47. Grow = crescer
48. stick to = ficar firme em
49. fix = consertar, corrigir
50. hit = atingir