Lay Off the Plastic
It's very convenient to just swipe away when it comes to spending, but by only using cards for purchases, you're doing yourself a disservice. "We spend more money with credit than with debit and more with debit than with cash," Chatzy says. "You need to put yourself on a cash diet, so you see where your money is going." Watching hard-earned dollar bills slip away stings more and makes your money harder to part with.
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Set up a Separate Savings Account
If you leave any extra money in your checking account, there is a greater chance that you'll blow it on a dinner out, or a cute new dress. Get serious about reaching your goal and try to set aside at least $50 from every paycheck and put it in an account where you can watch it grow. "Once you save some money you get inspired to save more," Chatzky says. "Let yourself go visit that account online so you can take some satisfaction in how well you are doing."
Ask "Can I Do Better?"
When paying bills each month it's important to look at what you are being charged for and if there are any ways you can trim down your costs. Not using all your minutes on your cell bill? Change your plan. Or maybe you really don't need all 500 TV channels that the cable company is charging you for. Being conscious of these little things can make a big difference.
Related: 7 Sites That Can Save You Money
Sleep On It
Sleep is not only good for your health - it can have a positive affect on your bank account. "There are few things that we want to buy that can wait until tomorrow," Chatzy says. "Make yourself wait 24 hours and if you are still obsessed with it the next day, buy it." Also, try to avoid late-night online shopping binges. When you're tired, you may be more prone to just click and buy.
Don't Shop Sad...or Angry... or Hungry
When you are reeling from an awful day at work or a fight with your guy, retail therapy is not the answer. "Never go to the supermarket on an empty stomach or head to the mall after a bad day," Chatzy advises. "You're more likely to make impulse purchases when you're emotional."
Related: How to Save $300 in 30 Days
Hit up a BYOB
Going to restaurants that have an extensive cocktail menu isn't a budget-friendly move when you're looking to save fast. Opt for a bring-your-own and skip the extras like sparkling water and dessert which fatten up your bill and slim that cash you're trying to save.
Use Coupons Wisely
Sites like Groupon are a smart resource to visit every day when you are trying to save without compromising your social life. "It's a great way to keep yourself a bit more frugal," Chatzy says. Do use your best judgment when it comes to coupons. If you're tempted to use a good one, just take a sec to ask yourself first whether you'd want to buy something even if was full price. No? Toss that coupon and save your cash.
Related: 12 Ways to Save Money
Hang Out With Cheapskates
It's important to let your friends know that you are trying to save. "Having them on board as you try to reach your goal is really important because then they can support you, rather than sabotage you," says Chatzy. So meet a group of pals for happy hour specials, but skip out before dinner. They'll understand.
Create an eBay Account
And we don't mean so you can go crazy scouring for "Buy It Now" deals on couture swag. Clean out your closet and sell the stuff you don't wear anymore. "You have to look at what you've got at home and your earning ability," Chatzy advises. If there is an opportunity for more income, seize it.