5 Smart Ways to Save More Money Every Month

Learn how to save more money every month with proven strategies, practical tips, and real-life examples. Automate your savings, reduce waste, and build wealth with actionable financial habits that anyone can follow.

In today’s fast-paced world, managing your finances has never been more important. Whether you're saving for a big purchase, an emergency fund, or financial freedom, developing consistent money-saving habits can dramatically improve your long-term wealth.

At Trustixo, we believe that smart financial decisions start with small changes. This guide breaks down five effective ways to save more money every month—no drastic sacrifices, just smarter habits that add up.

Let’s dive in.

1. Automate Your Savings: Set It and Forget It

One of the most powerful habits you can build is paying yourself first—automatically.

Instead of saving what’s left at the end of the month, move money into savings the moment your income hits your account. This method ensures saving becomes a non-negotiable part of your monthly routine.

How to get started:

• Set up an automatic transfer from your main bank account to a savings account.
• Choose a realistic amount (even €50/month is enough to start).
• Use banks or apps that allow for automation, like Revolut, N26, or Monese.
• Consider using separate savings "buckets" for different goals: vacation, emergency, investment, etc.

“Saving should be automatic, not optional. Automation makes discipline unnecessary.” — Trustixo Team

You can also try round-up saving apps, where every purchase is rounded up to the nearest euro and the difference is deposited into savings.

Example:

Spend €3.60 on coffee → €0.40 automatically saved.

By using automation, you remove friction and make saving money consistent—even on low income.

2. Audit and Cancel Unused Subscriptions

Streaming services, forgotten gym memberships, old app subscriptions—they add up fast.

According to a 2024 EU consumer study, the average person spends over €500/year on subscriptions they don’t use. That’s over €40/month being silently drained from your account.

What to do:

• Log into your bank or use a budgeting app (like Emma, MoneyWiz, or Revolut Insights) to review monthly recurring charges.
• Ask yourself: “Did I use this in the past month?” If not, cancel it.
• Replace overlapping services. If you use Netflix and Disney+, do you really need both?

Helpful tools:

• Bobby (iOS/Android) – manually track subscriptions
• Truebill or Rocket Money – automatically detect and cancel
• Revolut Premium – gives subscription tracking and insights

Pro tip:

Re-check subscriptions every quarter. Services love to quietly increase prices after 6–12 months.

3. Earn Cashback on Everyday Spending

If you’re not using cashback cards, you’re leaving free money on the table.

Cashback and rewards programs are a passive way to save 1–5% on purchases you’re already making. Over a year, this could add up to hundreds of euros, especially if you shop online or travel often.

Best Cashback Options in Europe

• Revolut Metal – Offers 0.1% to 1% cashback depending on your plan tier. Higher-tier users earn more and get additional perks like airport lounges.
• Curve Cash – Gives 1% cashback at up to 3 selected retailers, even on the free plan. Great if you shop frequently at the same places.
• American Express Blue – Earns 1% to 2% in points, which can be redeemed for rewards or statement credit. Ideal for consistent spending.
• Vivid Money – Offers between 0.5% and 10% cashback on partner brands. Perfect for those who want high returns from regular purchases.

Where to use cashback:

• Groceries
• Fuel
• Online shopping (Amazon, AliExpress)
• Subscriptions
• Travel bookings

Tip: Use your cashback card for all fixed monthly bills, then pay off the balance in full. Never carry a balance—you'll lose more in interest than you gain in rewards.

4. Master Grocery Budgeting

Food is one of the biggest flexible expenses—and one of the easiest to optimize. Without a plan, you’ll overspend on snacks, waste fresh produce, or fall into costly takeout traps.

Step-by-step to save on groceries:

1. Plan your meals weekly: Decide what you’ll eat before shopping.
2. Use a shopping list: Stick to essentials, avoid impulse buys.
3. Shop on a full stomach: Shopping hungry leads to overspending.
4. Use discount apps: In Croatia, apps like Too Good To Go, KupiMe, and Letgo offer significant food discounts and surplus deals.
5. Buy store brands: Most are made in the same factories as premium brands.

Bonus hacks:

• Cook in bulk and freeze portions.
• Always compare unit prices (€/kg or €/L).
• Visit markets close to closing time for price drops.

“Saving money doesn’t mean eating poorly. It means shopping smarter and wasting less.”

Even cutting €15–€25 per week on food adds up to €780–€1,300 per year.

5. Build a Simple Side Hustle

If your income is limited, you can only cut expenses so far. That’s why adding even a small side income can accelerate your savings dramatically.

Easy side hustles for beginners (EU-friendly):

Freelance online:

• Offer services like writing, design, translation, or virtual assistant work on Fiverr, Upwork, or Malt.

Affiliate marketing:

• Build a niche blog (like Trustixo!) and recommend tools or products via affiliate links.
• Example: Finance, fitness, travel, or tech content monetized with FinanceAds, Impact, or CJ Affiliate.

Sell digital products:

• Create and sell ebooks, templates, or Notion trackers on Gumroad or Ko-fi.

Resell items:

• Flip secondhand electronics, clothes, or books using Njuškalo, OLX, or Facebook Marketplace.

Bonus idea: Remote customer support jobs

• Many companies hire part-time remote reps to handle chat or email support. Pays €8–€15/hour depending on language skills.

Monthly Saving Example: Realistic Budget

Let’s put all of this into perspective with a simple monthly breakdown:

• Automated savings: €100
• Cancelled subscriptions: €20
• Cashback earnings: €15
• Grocery savings through smarter shopping: €40
• Side hustle income (freelancing, affiliate links, or reselling): €200

Total saved or earned: €375 per month

That adds up to over €4,500 per year—enough for a vacation, an emergency fund, or a solid investment start.

Final Thoughts: Build Wealth Slowly but Surely

You don’t need to be rich to start saving money. But you do need to be intentional.

Every euro saved or earned compounds over time. By automating savings, spending mindfully, and earning extra income, you can change your financial future—starting today.

Start with one action:

• Set up your automated savings.
• Or cancel one subscription.
• Or apply for a cashback card.
• Or make €20 freelancing.

Just start.

Frequently Asked Questions

🟢 How much should I save each month?

Ideally 10–20% of your net income. If you earn €1,200/month, try saving at least €120–€240.

🟢 What’s the best bank for savings in Croatia/EU?

• Revolut Vaults (for automated saving)
• ZABA or PBZ (for high-yield accounts)
• N26 or Vivid (for mobile-friendly, eurozone-based accounts)

🟢 What if I live paycheck to paycheck?

Start small. Save €5–€10 weekly. It builds the habit. Increase as your income or situation improves.

Want More Smart Money Tips?

👉 Visit Trustixo.com for more expert-backed guides on saving, investing, budgeting, and growing your wealth.

Keywords:

#savingmoney #budgetingtips #personaldevelopment #revolut #sidehustles #europefinance #trustixo