Happy Saver: 5 Ways to Enjoy Saving Money

We get it – saving can be challenging, sometimes too difficult. The conflict between saving and spending is almost always there, especially today when temptations are all around us. It is further intensified by the idea that we have to make the most of the now, but at the same time, not wanting to be unsecured for the future once you retire.

So how can you beat the difficulties of saving? Here are 5 ways to enjoy while you are saving money.

  1. Set goals.

One of the best ways to keep you on the right track is to remind yourself of your main goal. This is because our goals serve as our motivation to face the difficulties along the way. Why did you spend all those hours in studying a subject you did not like back in high school or college?

Because you had a goal to pass that subject in order to achieve your main goal of finishing your studies. Why not use the same strategy when it comes to saving? Ask yourself: Why am I saving?

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While most of us save so we are secured for when we retire, many actually find it hard to imagine themselves getting old, settling down, and retiring. That is why it might be helpful to set mini goals for yourself that serve as milestones towards your big goal.

These goals can be as small as not going shopping for clothes for this month, not going beyond a certain amount of money before you go out, or reaching a certain amount of savings given a deadline. Small goals are easier to remember and hold on to, and the feeling of accomplishing goals is fulfilling and motivating, no matter how small it may be.

Take advantage of this and start writing your list now.

  1. Reward yourself from time to time.

To intensify your motivation and the feeling of fulfilment after achieving your mini goals, it is also a good idea to reward yourself sometimes. Yes, it’s wrong to overindulge, but it’s also wrong to deprive yourself. When we do not reward ourselves when it is due, we feel depleted and unmotivated.

We get easily tired of what you are doing. Self-deprivation does not provide a good state of mind to work and to form good habits.


To give something, especially when it is due, is not selfish; it is just right. In fact, it’s basic psychology, specifically classical conditioning. When you condition yourself to get something you want after exerting hard work, working hard eventually becomes a habit.

So, go ahead and indulge your whims from time to time. Make such rewards a constant reminder that hard work pays off. Just make sure not to overdo it and that you stay on budget.

  1. Use an app.

One thing that makes it difficult to save is the budgeting part. However, budgeting is one of the most important things you always have to do if you want to save a significant amount. When you don’t, you end up spending on unnecessary things which will leave you wondering in the end: “where did all my money go?”

The good news is, these days, you do not have to use the pen, paper, and calculator in order to budget properly. Technology has made things much easier and faster for us. Why not take advantage of it when it comes to saving?

There are actually a lot of apps that can help you with your budgeting needs. What is even better is that many of them you can download for free. With a few taps, you can have an organized budget list.

Just make sure to regularly update it and put all that needs to be put – your income, expenses, etc. – and you are good to go! With such apps, you can now see where all your money went with a few taps.

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  1. When you can DIY (do-it-yourself), go for it.

If you are the artsy kind who likes to try different things, you can add more to your savings by going DIY instead of buying stuff. Don’t have enough cups? Don’t throw out those mayonnaise bottles; use those mason jars instead. Think your apartment looks too simple?

Why buy a painting or decorations when you can make one yourself? What’s great about DIY is how you can customize things according to how you want them to be. The possibilities are endless.

So go ahead; visit Pinterest and look for the next DIY project you will be working on.

  1. Get organized.

If you are the kind of person who likes making use of planners and all that organizing things, use this quality to your advantage.

Instead of writing boring budget plans in a plain white paper, why not spice it up like making a colourful planner or journals where you can list your goals, expenses, and other financial matters.

This way, you will be doing something you love while at the same time, doing yourself a favour.

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Founder @ The New Savvy
Anna Haotanto is the Advisor (former CEO) of The New Savvy. She is currently the COO of ABZD Capital and the CMO of Gourmet Food Holdings, an investment firm focusing on opportunities in the global F&B industry. She is part of the founding committee of the Singapore FinTech Association and heads the Women In FinTech and Partnership Committee. Anna is the President of the Singapore Management University Women Alumni. Anna invests and sits on the board of a few startups. Anna is also part of the Singapore Chinese Chamber of Commerce & Industry Career Women’s Group executive committee. Anna’s story is featured on Millionaire Minds on Channel NewsAsia. She hosts TV shows and events, namely for Channel NewsAsia’s “The Millennial Investor” and “Challenge Tomorrow”, a FinTech documentary. Anna was awarded “Her Times Youth Award” at the Rising50 Women Empowerment Gala, organised by the Indonesian Embassy of Singapore. The award was presented by His Excellency Ngurah Swajaya. She was also awarded Founder of the Year for ASEAN Rice Bowl Startup Awards. She was also awarded the Women Empowerment Award by the Asian Business & Social Forum. Anna has been awarded LinkedIn Power Profiles for founders (2018, 2017), Tatler Gen T, The Peak’s Trailblazers under 40 and a nominee for the Women of The Future award by Aviva


  1. […] Alap, who was only a year into his job, and I were at an ATM withdrawing money. My bank account was empty – a typical scenario for me at the end of the month. Curious, I casually asked Alap how much money he had, only to have him reveal that he had savings close to 5 months’ of my salary. This money was saved in less than a year. It was then that I decided to get serious about saving and investing money. […]


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