Is saving money really an achievable goal?

In the Botanical Garden in Rio de Janeiro


Still wondering what it would take to actually and successfully save money. Regardless of your end goal, money is normally a major factor needed in achieving said goal.

There are quite a few articles out there on saving tips but I felt that some of the suggestions were just not realistic enough. For me, some suggestions are a bit radical like suggesting that readers stop going out (to shop, party, buy groceries, pretty everything). That’s just not realistic because for one you need to pamper yourself every once in a while.

The one thing I normally take from those types of articles are that we as human beings do sometimes do things in excess.

I have thought of some ways on how to realistically save for travel or that mansion in Beverly Hills or paying off student loan debt (who’s hoping and wishing that their student loans is just going to disappear one day.)

One of the best and most difficult way to save money is to move home. I know, your probably thinking, “Is Andrometa crazy?” Honestly I definitely understand because if your parents are anything like my own then this might be a tough pill to swallow but is very necessary. When you look at a breakdown of your bills you see that up to half of your paycheck goes to rent, utilities and every miscellaneous thing that comes with having your own space. For example, furnishing your spot can cost up to $5,000 depending on your taste and the size of the place.   Y’all do you know what you can do with $5,000? Here are a few things, backpack across South East Asia, South America (honestly almost everywhere) for about 3 to 6 months depending how frugal you spending is.

No pain no gain is a great saying to memorize when moving. Don’t get it twisted, there is no shame in moving home or shade to those still living home.

I am a firm believer of bringing your lunch and snacks to work with you. This idea leads me to my next tip, which is stop buying your lunch while at work. Lets break it down, lunch costs about $10 a day (and you know depending on where you live or work could be more). With 30 days in a month with 20 of them being working days, you are spending $200 a month just for a basic lunch. Mind you, that price doesn’t include your coffee break to Starbucks or Dunkin Donuts and snacks. Just by cutting out this habit can save you $2,400 in a year. Do I need to ask again? I think so. Do you know what you can do with $2,400….. A lot is the answer. I spent $2,400 for my first Euro Trip to 5 countries including all shopping money needed, food, accommodations, and other miscellaneous things.

In London posing


I haven’t tried this tip as yet, but I am seriously researching it. Gaining points and miles through a good credit card also seems like a good way to go. But this definitely requires discipline, a lot of it. So if you are just starting out or think you may not be able to control your spending then a credit card might not be the best solution. The points gained through putting your everyday spending on the card and paying it off on time and completely can not only pay for your next flight or accommodations but also help you build your credit.

A part of being an adult is being responsible for your finances. One of the best ways to know what you can realistically spend and save is by keeping track of your spending and setting realistic goals.

These are just a few things that come to mind when I think about saving for something. Let me know what you like to do to achieve a savings goal.

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