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7 Budgeting Tips to Help You Save with American Express Serve

7 Budgeting Tips To Help You Save

Make managing your money easier. Here are seven budgeting tips to help you track your expenses, see where it, and find more of it to save.

Budgeting Worksheets: Do the Math and Save More

Take control of your finances with smart budgeting tools. The right mobile apps and budgeting worksheets, along with our seven budgeting tips, can help you save more of your hard earned money.

Budget Tools and Other Tips for Saving

In order to save money for the future, you need to understand how you’re spending it now. Various budget tools will help you assess your financial situation and show you where you can make smarter choices moving forward. Budgeting worksheets make it easy to do the math. See what you have coming in. Take a hard look at what’s going out. Then adjust your spending to meet your savings goals.

Here are seven simple budgeting tips to get you started:
1. Just Do It

You can’t go anywhere if you never take your first step. The right budgeting tools can help you keep more money in your pocket each month – you just need to make your finances a priority. Budgeting worksheets can help you do the math. Now it’s up to you to do the work. 

2. Track Your Spending

Even if you think you know where your money goes, you need to see it. Review your last three months of actual spending. Tools like Mint or Insights with American Express Serve® can help you visually understand your spending patterns. Seeing the data will allow you to make smarter decisions in the future.

3. Set Your Goals

Think about how much you want to save each month. In order to make your math work, you may need to find some areas to reduce your spending. Establish realistic goals and do everything you can to reach them. 

4. Monitor Your Progress

Make sure your spending stays in line with your projections. Updating your budgeting worksheets and utilizing various budgeting apps can help you see where you are in relation to your goals. Tools like Quick Balance on the Serve Mobile app1 can show you what you have and what you can spend in real time. 

5. Be Accountable

You’re ultimately accountable to yourself, but it may be helpful to check in with a friend or family member periodically to assess how you’re doing. If you veer off course, discuss the adjustments you intend to make. 

6. When It Rains

Put money away for unforeseen circumstances. You never know when you’re going to have an unexpected car repair or medical expense. Having an account that easily allows you to set money aside can help you make this a priority. The Reserve feature on American Express Serve® will automate this for you, so you can add money to your rainy day fund without having to think about it. And that cushion will protect you from the storm when it hits.
7. Reap the Rewards

Positive reinforcement goes a long way. Treat yourself to something special whenever you meet a savings goal. Whether it’s a meal, a movie or a massage, rewarding your short-term progress can help you establish the habits you’ll need for long-term success.

Budgeting Worksheet

Check out this helpful guide.

Click to expand Budgeting Worksheet

Budgeting and Savings Resources from American Express Serve

Budgeting Worksheet

Budgeting Worksheet Infographic from American Express Serve

Check out this helpful guide.

Click to expand Budgeting Worksheet
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