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We all struggle when it comes to putting money aside into savings accounts from our poor current accounts.

Below is a guide to saving money using 10 simple tips – Enjoy

1. Keep a tab – At the beginning of each month why not make a list of all your expenses, make sure you know how much you can afford to spend without having to struggle. It’s a simple but effective way of keeping tabs on what you spend.
   
2. Spend wisely – Once you know how much you can afford to spend, don’t think that you HAVE to spend that money, that money is there if you need it. Of course, don’t deprive yourself of all life’s luxuries but try to budget and spend wisely, whatever you are left with at the end of the month is a bonus.
   
3. Think ahead – Have an aim for yourself; set yourself a target of how much you want to save in the coming months. Having something to aim towards helps get you motivated in your mission to save.
   
4. Credit card payments – If you regularly use your credit card, make sure you check what your monthly payments are, and make sure you are not being charged too much interest. If you find a better credit card deal elsewhere then don’t be afraid to switch providers.
   
5. Credit card rewards – If you use your credit card regularly make sure you are being rewarded for it. There are so many different types of card available on the market that there is a card for everyone. Different card providers offer different rewards, for example if you’re a shopaholic, you might want a card that will offer you a percentage off your next purchase.
   
6. Shopping – When you go shopping take a list with you of what you need. Try and stick to your list by avoiding any unnecessary or impulse purchases. This method can help you save more than you think.
   
7. Cycle to work – If your place of work is not too far away from home, why not cycle for a week? You’ll save yourself the cost of fuel and help the environment in the process. This is not the most obvious form of saving money but it is becoming more and more popular.
   
8. Price comparison websites – These are fantastic for saving some money on many necessities, from checking your gas and electricity bills to checking your phone tariff. Price comparison websites do all the hard work, so you don’t have to; they are a top way to save some money.
   
9. Loyalty cards – If you regularly use the same supermarket to do your weekly shop then see if they have a loyalty card. If they do, it can be a quick way to save some finances or build some in-store credit.
   
10. Savings accounts – Set a specific amount of money each month to put away in a designated savings account. If you are based in the US the Lifetime Savings Account offers fantastic benefits. Whatever you put in your account is not tax-deductible, but whatever returns you earn from your LSA are tax-free.