• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar

National Debt Relief

National Debt Relief - A+ BBB Accredited Business - Get Relief From Credit Card Debt, Medical Bills And Unsecured Loans

Talk to a debt counselor toll free:

800-300-9550

Get Relief From Credit Card Debt

Medical Bills and Unsecured Loans

  • Apply Now
    • Qualifications
    • Is This Right For Me?
  • Proven Results
    • Debt Relief Benefits
    • Credit Card Debt Relief
  • Debt Relief
  • Credit Card Debt Relief
  • Debt Consolidation
  • Login
HomeBlog Money ManagementSaving Money Is So Hard: Here’s How To Make It Painless
Video Transcript

Free Debt Consolidation Quote

By clicking "Get Free Quote", you agree that the phone number you are providing may be used to contact you by National Debt Relief (including autodialed and prerecorded calls, as well as text/SMS messages). Msg. and data rates apply, and your consent to such contact is not required for purchase.
  • National Debt Relief, LLC BBB Business Review
  • McAfee SECURE sites help keep you safe from identity theft, credit card fraud, spyware, spam, viruses and online scams

Saving Money Is So Hard: Here’s How To Make It Painless

January 12, 2021 by Tom Harkins

Saving Money Is So Hard: Here's How To Make It Painless
Saving Money Is So Hard: Here’s How To Make It Painless

Let’s face it, even before the COVID-19 pandemic, many of us griped about how saving money is so hard to do. By the time we pay our rent or mortgage, utilities, and make car or credit card payments, we often don’t have a whole lot of money left to put in a savings account. In fact, only about 30% of Americans even have $1,000 in the bank for an emergency fund. The coronavirus has made things even worse; with millions of people unemployed or underemployed, finding money to save each month is harder than ever. However, it doesn’t have to be that way. Even if you’re suffering some financial hardships right now, you can find ways to build your savings with minimal effort. Here are some great tips to make saving money painless for you, even during the pandemic.

Automate Your Savings

One of the best ways to make saving money painless is to automate some of your routine financial transactions. Set up a bill-paying mechanism, either with your bank or through an online bill-paying service, and automatically allocate a set amount to save each month. This will ensure that no matter what happens, and even if you’re not paying attention, you’ll still be saving money each month. Additionally, you should consider automating some of your routine bills; paying your bills automatically will save you time and effort, and help you avoid late fees if you forget to make payment on time. Additionally, some large companies even offer discounts when you automate your payments, which can help you save additional money.

Fix Your Credit

It can be difficult to save money if you have a bad credit rating. When your credit is subpar, you end up paying higher interest rates on mortgage and car loans, if you can qualify for them at all. A bad credit score may require you to pay a higher deposit on an apartment, too. If you want to save more money on everyday transactions, start working to improve your credit score right now. You can take one of many actions to repair your credit, from paying bills in a timely manner to correcting errors in your credit report. Take the time to review your annual credit report and see if improving your credit can start saving you a little bit of money.

Hunt for Bargains

If you want to save money, one of the best ways is to get thrifty and become a better shopper. Before you buy anything, shop around a bit and see where you can find the best price. Many apps allow you to comparison shop from the comfort of home, too, so always be searching for the best deal on whatever you’re planning to buy. You should consider using coupons as well, especially for the items that you buy routinely. You can still find coupons for grocery items in newspapers, receive them in grocery stores after a purchase, or even print them from websites. Additionally, apps such as iBotta allow you to receive discounts and cash back on your purchases. Finally, when you’re shopping online or even in brick-and-mortar stores, you should always search online for discount codes and rebates online before you head to checkout.

Cut the Fat

If you’re having trouble finding any money to save from week to week, consider cutting back on some of the extraneous expenses you can live without. If you’re not already adjusting your budget due to the impact of COVID-19, now is a great time to start. Pack a lunch or eat in instead of going to restaurants or ordering takeout; preparing your own food alone can save you serious money. There are other painless ways to save money by cutting unnecessary costs out of your budget. For example, you should definitely check out how much you’re paying for automobile or homeowner’s insurance. If you shop around, you may be able to find comparable insurance coverage at a much lower rate. Finally, even if you’ve cut the cord on cable TV already, you can save some money each month by cancelling those streaming services you don’t really use.

Pay Attention to Your Money

Another way to save money painlessly is to pay closer attention to your finances. More often than not, we end up spending too much money because we don’t track our cash inflows and outflows closely enough. For example, if you aren’t monitoring your checking account or credit card balances, those Uber Eats meals every day for lunch while you’re remote working can put a dent in your checking account. Instead of leaving all your saving efforts to chance, you should track your saving and spending activity closely. Monitor your credit card and checking account balance; consider getting a mobile app such as Mint, which makes it easier to monitor all your accounts on the fly. If you watch your money closely, you’ll likely end up saving more of it.

Saving Money Is Easier than You Think

If you think saving money is so hard that you’ve given up trying, perhaps it’s time for a new approach. With a little bit of time and effort, you can build up your savings in no time. If the economic impact of the coronavirus pandemic has had you on edge for the past year, painlessly saving money may provide you the peace of mind you need to have a great 2021.

Do you qualify for debt consolidation?

Primary Sidebar

Consolidate Your Debt!
Find out how NDR could help.
  • Get one low monthly payment
  • Avoid bankruptcy
  • Get out of debt in 24-48 months
Get Your Free evaluation
Free Debt Consolidation Quote
By clicking "Get Free Quote", you agree that the phone number you are providing may be used to contact you by National Debt Relief (including autodialed and prerecorded calls, as well as text/SMS messages). Msg. and data rates apply, and your consent to such contact is not required for purchase.
 Trusted By Our Clients

"National Debt Relief has helped in bettering my credit and payin"

** Audited by: Dianne Ernsting ** Easy National Debt Relief Caller: Charlotte Transcribed: WE 2/28/2021 Charlotte: Before I begin, I have to let you know that our call is recorded. Can you tell me, how did you first hear about our National Debt Relief? HILLARY: Actually, I think I googled it. Charlotte: So, what made you decide to work with National Debt Relief as opposed to other providers? HILLARY: It just sounded promising and that I could get out of debt. Charlotte: What did you think about the enrollment process? HILLARY: It was easy, it was no hassle. Charlotte: Now, tell me about the program that you were on. HILLARY: I think it's great. The only problem I kind of have is, sometimes, payment-wise, it's a little-- I mean, I get it, because you're trying to pay off your debt. It's just a little pricey if you can't do it. Charlotte: In what ways would you say that this program has begun to work for you? HILLARY: Bettering my credit, paying off my debt. Charlotte: About how far are you in the program at this point? HILLARY: Geez, I've been there, probably, a year and a half, I think. But I don't know how far I am out of debt, honestly. Charlotte: Now, is there anything about this program that you would like to see handled differently? HILLARY: The only thing, and it could just be me, I don't know how they work, and I don't know if they call like, "Okay, this is who you have debt with. This is who you debt--" Or do they reach out? I don't know who reaches out and says, "Hey, they have this bill." Charlotte: What have you experienced? Tell me what's happening. HILLARY: No. I feel like it isn't as fast, process-wise. The last two months have been kind of fast with a few credit cards being settled, but there's a few other ones, I'm like, "Okay, why haven't they settled on this one yet?" Or, you know, just things like that. Charlotte: Oh, like it's dragging out a little bit? HILLARY: Yeah, yeah. Mm-hmm. Charlotte: Now, what did you think about your negotiators? HILLARY: I think it's good. I just had a big change in my life with my daughter being sick with her kidneys. So, they said-- I was a little annoyed. And I said, "Well, what does it matter if something happens? It's not going to change my payment." They're like, "No, but the creditors, we can help you that way." And I didn't understand that at first. I wish somebody would have told me that at the beginning. The reason we ask these questions, they're for the creditors, more or less. So, nobody told me that. Yeah, nobody told me that. Charlotte: And what else have you experienced? HILLARY: Everybody's been really kind, honestly. There was a girl I talked to last week, I did a survey on her, and I absolutely loved her. I cannot remember her name. She sent me an email. But I don't think I've ever run into anybody that couldn't answer a question, and who hasn't been really kind and compassionate. Charlotte: If you have to rate your experience, so far, on a scale of one to five, and five would be that you would recommend to friends and one is you're pretty dissatisfied, how would you rate them? HILLARY: I'd rate you guys 5. Charlotte: Would it be okay if I posted your comments as a review on our public website? HILLARY: Yeah, go ahead. Is there a way I can recognize that girl? Charlotte: Oh, no, no, no. They'll find it out for sure. HILLARY: I loved her. I absolutely loved her. She was amazing. Charlotte: So, how comfortable have you felt working with National Debt Relief through this process? HILLARY: Oh, really comfortable. Charlotte: So, say you have some questions or concerns, how does National Debt Relief work with you to answer any questions or concerns that you're having? HILLARY: I guess they reach out more than not. I hear from them more than, probably, anybody. But I feel like emails-- they'll email me. They're pretty patient too if you need something done and you can't do it at that point. They're like, "Okay, well, I'll call you back." I just feel like they're very patient. I don't know. I don't know the answer to that. Charlotte: How would you say working with National Debt Relief, Hillary, has impacted your life? HILLARY: I feel like I don't have as much debt, and I feel inside, internally, I feel not as stressed. It's better than them garnishing your wages. Charlotte: And of course, were recorded. I'm going to send you a link to your email at andreattahillary@yahoo.com. HILLARY: Uh-huh. [yes] Charlotte: Of course, we are recorded.

Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating Trustpilot star rating

Hillary Andreatta
ConsumerAffairs Reviews

Latest Money Management Posts

  • 5 Easy Tips for Couples and Money Management
  • Saving Money Is So Hard: Here’s How To Make It Painless
  • The 5 Biggest Money Mistakes Couples Make
  • My Bank Account is Negative, What Now?
  • Find the Best Bill Management App
National Debt Relief, LLC BBB Business Review AFCC Top Ten Reviews Gold Top Consumer Reviews Consumers Advocate Trust Pilot
Company
  • About Us
  • Contact Us
  • Blog
  • Careers
  • Corporate
  • Privacy Policies
  • Terms Of Site
  • Disclaimer
  • Sitemap
Products
  • Debt Relief
  • Credit Card Debt Relief
  • Debt Consolidation
  • Debt Settlement
  • Calculators
  • FAQs
Debt Resources
  • Credit Card Debt
  • Medical Debt
  • Personal Loan Debt
  • Unemployment
  • Divorce Debt
  • Retiree Debt
  • Veteran Debt
  • Business Debt
  • Personal Finance
Follow Us
  • Facebook
  • Twitter
  • Linkedin
  • Instagram
  • Pinterest

© 2021, National Debt Relief, All Rights Reserved.

Disclaimer
Disclaimer
Disclaimer