Challenge yourself to save a few extra dollars each month by creating some easy-to-complete goals.

Now that you’ve already started meticulously tracking your expenses, why not take the next step and work on reducing your spending even more on one or more of your spending categories?

These goals don’t need to be difficult. They can be something as simple as buying one less coffee per week or seeing one less movie per month and watching that money stay in your bank account. The real reason you want to set some short term goals is to test yourself and see if you’re able to cut certain things out of your lifestyle or reduce spending in certain areas. If you find that making those changes is easy then you can incorporate the change permanently and have even more money available to you later on.

You can either make a mental note to spend less this week or you can adjust your budget by a few dollars and work on keeping under budget for this week or month. To edit your budgeted amount for your spending category, open up your budgets and click on the budget you want to change. This will expand the budget and you’ll see an option to Edit the budget.

When the Edit Budget form appears, simply reduce the Budget Amount by the amount you want to save and then update the budget.



We hope that by challenging yourself to spend a little less every now and then you’ll learn that it’s actually easy to keep those changes in full effect for the future. Once you start cutting back on your spending some more you can take that extra cash and apply it toward reducing your debt or putting it away into your rainy day / emergency fund.

Let us know in the comments below what you’ve decided to cut back on and if it’s helped you put a little more towards your savings or toward reducing your debt.