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Saving Strategies For Millennials

Our debt counselors know that saving money is always easier said than done. Even if you are strict on budgeting, you will still have something that throws you off track! If you are a millennial, this is even more challenging as you might just be starting to earn a salary. Your student loan payments and any credit card debt are examples of factors that can prevent you from implementing saving strategies.

ACCC's saving strategies will serve you well in the long run.

ACCC’s saving strategies will serve you well in the long run.

Saving Strategies for Millennials

Know what you’re dealing with

First off, budget! That’s always one of our credit counseling tips. This gives you a clear picture of your income and your expenses. Knowing what you have to deal with on an ongoing basis is the foundation of good saving strategies. This way you can commit to an amount to save from every paycheck! Even if that is small now, you are building the habit of saving.

Learn to say “No”

Being financially responsible is also about knowing what you can and cannot afford to do. You do not have to accept every invitation to go out with your buddies. It is absolutely alright to do it once in a while if your budget permits. However, if you are struggling with settling credit card debt or sticking to your saving strategies it is okay to decline that invitation.

Know your weaknesses

When it comes to money and spending, everyone has their weaknesses. For me, it’s shopping! Try as much as possible to avoid these pitfalls. If the shopping mall is likely to bust your budget, limit your trips and hangouts in the mall. If you are too dependent on your credit cards, leave your cards at home and try a cash-only budget. Knowing your pitfalls help you stick to your saving strategies and effectively work towards debt relief.

Set clear goals

If you have set SMART goals in terms of your finances you will have a clear direction. Setting goals is an effective way to implement your savings strategies because you are working towards achieving something. SMART goals are specific, measurable, achievable, realistic and timely.

Don’t forget retirement

There is not enough emphasis on how important saving for retirement is. Yes, starting now! Even though it may seem so far off at the moment, once you are actually approaching the retirement age, you would wish you had saved earlier. Therefore explore your options from 401(k) or IRA’s and investments. Get on board the retirement saving train right now!

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 


Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

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