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Wish you could actually save your cash instead of spending it? I love this helpful tip from Tasha!

Simple Way to Actually Save Your Cash

by Tasha Hackett

Saving cash sometimes doesn’t seem like much fun. Paying off debt was fun. So much fun? Yes. So much fun. We celebrated little victories all the time. “Yes! Another $1000 down!” or most often, “Another $50 sent off!” Woo-hoo! Paying off debt was so much fun, that we really don’t ever want to do it again. Therefore, saving cash for our next projects is almost as much fun. But, Tasha… How!?!?! How do you find room in your budget for all that extra cash?

There goes that “B” word again. That budget is a fantastic thing. If only I were disciplined enough to keep to a budget! Even after all these years, I’m still not super great at keeping one. If I want to buy a book for myself, and I do so love buying books for myself, I will usually buy it if there is money in the bank. My secret Pay-Off-Debt or Save-Up-Cash plan is simple:

Put the cookie jar on a higher shelf.

If you like to eat cookies and you’re sitting next to a jar of them, you are much more likely to eat them. If you take that cookie jar, place it up on a high shelf with a door that locks, it’s going to be a lot more work to get a cookie. Oh, you can still have one. But you’re not going to be able to sneak one as you walk through the kitchen on the way to the laundry room. You with me?

How badly do you want a cookie?

Just imagine! You have to go all the way to your underwear drawer to find the keyring with all the little keys, and then get a ladder and set it up, climb the ladder, carefully open the door, remove the jar, etc. I do like cookies. But I’m also a little bit lazy. So I don’t eat so many that way. And I surely don’t have kids asking for one all the time because not only is the cookie jar a lot harder to get to, but the kids don’t see it sitting there on the counter full of cookies! Not only does it have cookies in it, but it gets more put in every payday! (Because, in case you’ve forgotten I am talking about saving cash and not cookies. How silly to put cookies in a locked cupboard. Cookies are meant to be eaten… especially on the way through the kitchen to the laundry room. Especially these Super Soft Chocolate Cookies and Giant Breakfast Cookies and Sweet and Simple Cranberry Cookies.)

Saving cash is better than saving cookies.

Please don’t save the cookies. Eat them! You get a cookie! You get a cookie! Everyone gets a cookie! But the cash, we should be saving up some of it so we can buy the things we need. Like a new-to-us 1997 Buick, or a huge trampoline for the kids to work out some of their energy before they come back in for more cookies OR even possibly the down payment for the construction loan for the house we’re going to build next spring. (Yay!!!!!!)

No, I don’t lock my money in a cupboard.

I don’t have hoards of cash in my house. And if I did, I wouldn’t have just told you where it was. Sheesh. Simmer down, folks. But here’s the secret plan. You ready for it? Bank Transfer.

I actively take the money out of one bank and I electronically transfer it into another bank. Are you scratching your head wondering how this is helpful? Bank #1 is easy to access. I have a checkbook to Bank #1, I have a debit card for Bank #1, I have automatic payments and subscriptions, Paypal, and electronic payroll deposits go into Bank #1. The other account is difficult to get to: No check-books or debit cards. If I want money from Bank #2 I have to walk into the bank and request cash or transfer the money to Bank #1. (Warning: This is a terrible long-term savings plan. This is for funds you wish to access within a year.)

Here’s how we stash cash fast.

(Say that 10 times. I bet you can’t. I tried, I made it to four.)

Work (If we are paying debt or saving, we work some extra and hustle.)

Get paid

Deposit money into Bank #1

Budget for what is needed: Bills, Food, Gas, Clothes, School, etc.

Anything extra, no matter how meager, immediately transfer from Bank #1 to Bank #2

Congratulations! You just put the cookies out of reach

Repeat forever and ever amen. (Or until the cookie jar is full.)

Buy the thing with the cookies, I mean cash

In conclusion, stash the cash before rather than later. If I have an extra $5 hanging around, it will turn into a cookie and I will eat it.

How do you save money? Am I the only one who has to lock up the cookies on a higher shelf?

Tasha sitting at sewing machine Laura’s friend Tasha Hackett is a book writing, dress sewing, fitness coaching, instagramming, homeschooling mama of four. Whew! Sometimes she tries to do it all and then remembers she’d rather rest on a blanket in the grass and read picture books to her kids. When she’s not guest blogging here she can be found sneaking cookies instead of folding laundry, sewing instead of cleaning, writing instead of cooking, and reading aloud instead of teaching math.

1. InboxDollars

I’ve mentioned InboxDollars recently in a giveaway they sponsored. You won’t get rich off of InboxDollars (or any of the ideas shared in this post), but you will be able to earn a little extra cash while in the comfort of your pajamas and slippers. (I recommend opening up a separate, free email account to use specifically for InboxDollars – it makes this much easier!)

2. Swagbucks

It’s been a while since I’ve mentioned Swagbucks around here, but if you aren’t using Swagbucks to earn extra money from home, you really should be! There are many, many ways to earn Swagbucks, but my favorite is to simply use the Swagbucks search feature. Each time I need to search for something online (which is quite often), I use my Swagbucks search engine. Several times a day, I earn some swagbucks – all for doing something I would have done anyway. Once I’ve accumulated enough, I turn my Swagbucks into Amazon Gift Cards. (There are many other options for ways to redeem your Swagbucks – Amazon cards are just my favorite.) One year, I saved all my Amazon Cards throughout the year and we had a practically free Christmas. It was awesome!

Plus, when you refer others to Swagbucks, you can earn extra Swagbucks! So, get yourself signed up, then tell your friends about this feature. You’ll both earn! (See, I’m referring you, so that means I’ll earn Swagbucks based off of my referral to you. Thanks!) :)

3. Shop it to Me

This may be one of the simplest ways to earn a little extra cash – although, like Swagbucks, it comes in the way of gift cards instead of actual cash. I like gift cards just fine. Gift cards buy gifts – what more could we ask for? Or, you could give the gift card away as a gift. Perfect!

How this works: Sign up to receive Shop It To Me newsletters. These newsletters are painless – I receive them twice a week and either look through them if I feel like the deals they share are relevant, or delete them if they’re not.

I used my personal referral link above. For every ten of you who sign up, I receive a $10 gift card of my choice. (Thank you, by the way!) Once you’ve signed up, you can then refer your friends and family through facebook, email, blog or tweet – and for every ten people you refer, you receive $10 gift cards too! It’s free, it’s easy, there’s no catch, and you can earn gift cards for Starbucks, Whole Foods (my personal fav!), Gap, Macy’s and many others – whichever you choose.

4. Become a Heavenly Homemakers Affiliate

It’s been a while since I’ve mentioned this feature we have here at Heavenly Homemakers. Did you know you can earn money by referring sales in our Shop? We offer 33% affiliate earnings on all of our downloadable products – that means that not only can you earn a few dollars when someone you refer purchases our ebooks, you can earn a whoppin’ $14.85 each time someone you refer purchases our Learn Your Letters, Learn to Serve curriculum kit! Your earnings can really add up! Read more details here – we’d love to have you on board as an affiliate.

Have you started thinking about Christmas yet – or is it just me?

(Disclosure: I think it was obvious that many of the links I used in this post are my referral links, but just in case, I thought I’d tell you again. Each of these opportunites are painless and easy and a great way to earn a little extra cash – and sharing them with you will help me earn a little extra cash for Christmas too. Then you can turn around and do the same! But don’t feel obligated to sign up for any of these if you don’t want to. We’ll still be friends either way.) ;)