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URLhttps://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-start-saving-money
Last Crawled2026-04-22 12:08:36 (13 hours ago)
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Meta TitleWhat are Tips for Saving Money and Money Saving Ideas?
Meta DescriptionWant to start saving money but don't know where to start? Learn how to start saving money from Better Money Habits.
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Skip to main content 5 steps to get started with saving Costs add up fast, and building your savings can seem like a pipe dream. But small changes now can yield big benefits later. Follow these basic steps to start making meaningful progress toward a brighter financial future. Resolve to put just one percent of your income into savings over the next month. By doing so, you’ll flip an important mental switch: Before, you were someone who wasn’t saving for the long term, but now you are. That’s a key difference, because it’s much easier to ramp up your savings if you’ve already formed the habit. So however modest, take the first step. You may think you have no breathing room, but take a hard look at the money you shelled out over the past month. Divide every cost into two categories: “need” and “want.” Then go through your “wants.” Are you getting manicures when you could touch up at home? Friday night takeout pizza when frozen would do? Reduce those extra expenses to create space in your budget for regular saving. Each month, you pay regular bills: your cell phone, your student loan, your rent. Add someone else to that list: your future self. When you treat savings as mandatory, you make it that much easier to stay serious about staying on track . Once you’ve figured out how much you want to save each month, and you’re confident you’ll pull in enough income to meet that goal, you can set up automatic transfers between your checking and savings accounts. By automating deposits, you can eliminate the temptation to redirect your extra money to other things. Saving for a down payment on a house, an emergency fund or a hard-earned vacation might seem an impossible hurdle. But remember that you can achieve your most ambitious savings goals if you work toward them gradually and in small increments. By forming the basic habit of saving and by sticking to specific, attainable goals, you’ll lay the groundwork for a lifetime of financial progress. Disclaimer The material provided on this website is for informational use only and is not intended for financial or investment advice. Bank of America Corporation and/or its affiliates assume no liability for any loss or damage resulting from one’s reliance on the material provided. Please also note that such material is not updated regularly and that some of the information may not therefore be current. Consult with your own financial professional when making decisions regarding your financial or investment management. ©2026 Bank of America Corporation.
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[Skip to main content](https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-start-saving-money#mainContent) [![](https://bettermoneyhabits.bankofamerica.com/content/dam/bmh/logos/BofA-logo.svg)](https://www.bankofamerica.com/) - [Products & services](https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-start-saving-money) Products & services ## Products & services - [Checking accounts](https://www.bankofamerica.com/deposits/checking/advantage-banking/) - [Savings accounts](https://www.bankofamerica.com/deposits/savings/savings-accounts/) - [Credit cards](https://www.bankofamerica.com/credit-cards/) - [Home loans](https://www.bankofamerica.com/mortgage/?subCampC0300&dmcode=18098479094&cm_mmc) - [Auto loans](https://www.bankofamerica.com/auto-loans/?cm_sp=eL%20Auto-ABPA-_-OAApage-_-EW16LT000K_OAApage_OpenAnAccount&mktgCode=aahomepage06) - [Mobile & online banking](https://info.bankofamerica.com/en/digital-banking) - [Preferred Rewards program](https://www.bankofamerica.com/preferred-rewards/) - [Schedule an appointment](https://secure.bankofamerica.com/secure-mycommunications/public/appointments/) - [Online banking sign in](https://www.bankofamerica.com/sitemap/hub/signin.go) Online banking sign in - [Locations](https://locators.bankofamerica.com/) Locations - [Contact](https://www.bankofamerica.com/customer-service/contact-us/) Contact - [Help](https://www.bankofamerica.com/help/overview.go) Help [![](https://bettermoneyhabits.bankofamerica.com/content/dam/bmh/cx/bofa-bmh-art1-rgb-standalone.svg) ![](https://bettermoneyhabits.bankofamerica.com/content/dam/bmh/cx/bofa-bmh-art1-rgb-standalone.svg)](https://bettermoneyhabits.bankofamerica.com/en) - [Understand finances](https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-start-saving-money) Understand finances ## Understand finances - Understanding saving & budgeting - Simplifying credit & managing debt - Making sense of banking accounts - General investing & saving for retirement - Need some guidance? - ## Understanding saving & budgeting [Simple ways to add to your savings](https://bettermoneyhabits.bankofamerica.com/en/how-to-manage-your-savings) [Your guide to creating a budget plan](https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/creating-a-budget) [How to start building an emergency fund](https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/emergency-fund-tips) [Spending analysis tool](https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/spending-tool) [View all saving & budgeting](https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting) ![](https://bettermoneyhabits.bankofamerica.com/content/dam/bmh/article-list/understand-finances-understanding-saving-and-budgeting-326x164.jpg) [FINANCIAL GOALS Manage your money when living paycheck to paycheck , 9 minutes 11 resources](https://bettermoneyhabits.bankofamerica.com/en/how-to-stop-living-paycheck-to-paycheck) - ## Simplifying credit & managing debt ### Simplifying credit [Choosing a credit card](https://bettermoneyhabits.bankofamerica.com/en/credit?subTopicId=choosing-a-credit-card) [How credit cards work](https://bettermoneyhabits.bankofamerica.com/en/credit?subTopicId=how-credit-cards-work) [View all credit](https://bettermoneyhabits.bankofamerica.com/en/credit) *** ### Managing Debt [How to get out of credit card debt faster](https://bettermoneyhabits.bankofamerica.com/en/debt/how-to-pay-off-credit-card-debt-fast) [Paying back student loans](https://bettermoneyhabits.bankofamerica.com/en/college?subTopicId=paying-back-student-loans) [View all debt](https://bettermoneyhabits.bankofamerica.com/en/debt) ![](https://bettermoneyhabits.bankofamerica.com/content/dam/bmh/article-list/what-is-a-credit-score-and-how-is-it-calculated-relatedcontent-326x164.jpg) [Credit What is a credit score and how is it calculated? 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But small changes now can yield big benefits later. Follow these basic steps to start making meaningful progress toward a brighter financial future. ## 1 Think one percent at a time ![](https://bettermoneyhabits.bankofamerica.com/content/dam/bmh/en/images/5-steps-to-get-started-with-saving.svg) Resolve to put just one percent of your income into savings over the next month. By doing so, you’ll flip an important mental switch: Before, you were someone who wasn’t saving for the long term, but now you are. That’s a key difference, because it’s much easier to ramp up your savings if you’ve already formed the habit. So however modest, take the first step. ## 2 Get analytical about your budget ![](https://bettermoneyhabits.bankofamerica.com/content/dam/bmh/en/images/5-steps-to-get-started-with-saving-2.svg) You may think you have no breathing room, but take a hard look at the money you shelled out over the past month. Divide every cost into two categories: “need” and “want.” Then go through your “wants.” Are you getting manicures when you could touch up at home? Friday night takeout pizza when frozen would do? Reduce those extra expenses to [create space in your budget](https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/creating-a-budget) for regular saving. ## 3 Prioritize your future self Each month, you pay regular bills: your cell phone, your student loan, your rent. Add someone else to that list: your future self. When you treat savings as mandatory, you make it that much easier to stay serious about [staying on track](https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-money-management-better). ## 4 Make it automatic ![](https://bettermoneyhabits.bankofamerica.com/content/dam/bmh/en/images/5-steps-to-get-started-with-saving-3.svg) Once you’ve figured out how much you want to save each month, and you’re confident you’ll pull in enough income to meet that goal, you can set up automatic transfers between your checking and savings accounts. By automating deposits, you can eliminate the temptation to redirect your extra money to other things. ## 5 Go slow and steady ![](https://bettermoneyhabits.bankofamerica.com/content/dam/bmh/en/images/5-steps-to-get-started-with-saving-4.svg) Saving for a down payment on a house, an emergency fund or a hard-earned vacation might seem an impossible hurdle. 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[Skip to main content](https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-start-saving-money#mainContent) 5 steps to get started with saving Costs add up fast, and building your savings can seem like a pipe dream. But small changes now can yield big benefits later. Follow these basic steps to start making meaningful progress toward a brighter financial future. Resolve to put just one percent of your income into savings over the next month. By doing so, you’ll flip an important mental switch: Before, you were someone who wasn’t saving for the long term, but now you are. That’s a key difference, because it’s much easier to ramp up your savings if you’ve already formed the habit. So however modest, take the first step. You may think you have no breathing room, but take a hard look at the money you shelled out over the past month. Divide every cost into two categories: “need” and “want.” Then go through your “wants.” Are you getting manicures when you could touch up at home? Friday night takeout pizza when frozen would do? Reduce those extra expenses to [create space in your budget](https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/creating-a-budget) for regular saving. Each month, you pay regular bills: your cell phone, your student loan, your rent. Add someone else to that list: your future self. When you treat savings as mandatory, you make it that much easier to stay serious about [staying on track](https://bettermoneyhabits.bankofamerica.com/en/saving-budgeting/how-to-money-management-better). Once you’ve figured out how much you want to save each month, and you’re confident you’ll pull in enough income to meet that goal, you can set up automatic transfers between your checking and savings accounts. By automating deposits, you can eliminate the temptation to redirect your extra money to other things. Saving for a down payment on a house, an emergency fund or a hard-earned vacation might seem an impossible hurdle. But remember that you can achieve your most ambitious savings goals if you work toward them gradually and in small increments. By forming the basic habit of saving and by sticking to specific, attainable goals, you’ll lay the groundwork for a lifetime of financial progress. #### **Disclaimer** *The material provided on this website is for informational use only and is not intended for financial or investment advice. Bank of America Corporation and/or its affiliates assume no liability for any loss or damage resulting from one’s reliance on the material provided. Please also note that such material is not updated regularly and that some of the information may not therefore be current. Consult with your own financial professional when making decisions regarding your financial or investment management. ©2026 Bank of America Corporation.*
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