About 50% of people in the United States are lazy with their money. They haven’t put money away for retirement and they’ve generally only saved about $1,000.

It gets worse. Only 15% of people in the U.S. have over $10,000 in savings.

There is really no excuse for this. Some might cite familial or situational issues. I’m betting, if you polled most people on what they use their money for, those who saved little could make different choices.

Education is key. If you don’t know how to handle your money, then how are you going to handle your money well? Well, if you are one of those unfortunate people, here’s your chance.

1. Put Aside Two Paychecks This Year

The fall and spring are generally the cheapest months of the year when it comes to your utility bills. This could vary by region, so do your own research.

Why do I bring this up? Certainly not to encourage you to spend that extra cash on Powerball tickets next year. Instead, save it up.

Choose a paycheck in the spring and one in the fall. Put all of it into savings.

Yes, this could mean a tighter budget for that month. But with enough forethought, you can do it.

Once you’ve done this, you’ll quickly realize how having that money in savings as a buffer acts to reduce stress. You could eventually stop living paycheck to paycheck and budget several months in advance.

2. Use Trim to Cut Your Cable and Internet Bill

Your cable company isn’t going to tell you about promotional deals once they’ve got you hooked. Yes, they send you promotions for services you don’t have, but cheaper internet? Never!

You could waste your time being on hold, waiting for a representative. Then you could waste time asking the representative about new deals. Why not have a computer do that for you?

Trim is a bot. It communicates with the Cable Company’s customer service representative (often a bot) and negotiates deals or credits.

It’s not free. But Trim only charges you a percentage of what it saves you. If it can’t secure a deal, it won’t charge you.

No, this isn’t an app. You sign-up online and it communicates with you via Messenger or SMS.

3. Practice the 30-Day Rule

Do you really *need* that video game? How about that new smartphone? Marketers and retailers rely on impulse purchasing decisions to make money.

To them, this isn’t a bad thing. To your pocketbook, it really can be.

I learned this trick from my mother when I was a kid and it probably saved my mom a lot of money and grief. It’s certainly saved me the same in adulthood.

When you feel the need to buy something that isn’t immediately necessary, wait a month. If it’s still there and you still want it, you’ll probably use it and enjoy it.

If not. Did you really want it in the first place?

Bonus Tip: Sell Your Things

This is a tough one for a lot of people. I’m horrible at letting go. Just ask my wife.

But when you hoard things you don’t need that retain value, you’re not making any money. You’re wasting valuable resources.

Make a webpage to generate sales or open a store on eBay. Once you learn the process of selling goods, you might start going out to thrift stores and finding junk to sell. You never know what people might buy.

Want more money-making advice? Go get educated with the rest of Shoemoney.com.

By Ben Mattice

Benjamin Mattice is a freelance writer/editor, horror and sci-fi writer, SEO and affiliate marketing newbie, dog wrestler, cat wrangler, capoeirista, and long distance runner. He lives in the Palouse with his wife, three dogs, two cats, and two rats. Yes, that would probably be considered a mini-zoo.