If you want to get serious about saving, though, flip that order around.

What we do is Salary-Expenses = Savings.

If we continue to do this, then we can never have even a penny to save.

Again, this is a matter of mind setting.

Decide how much percentage of your salary it’s possible for you to allot for your savings.

Normally it’s 20%.

Once you received your salary, set aside the 20% and then spend the remaining.

10 Easy Tips to Stay Frugal in Your Life| One Cent at a Time

Photo byJack Pearce.