What are some money saving tips for teens?

What are some money saving tips for teens?

I am 13 years old, and I'm kind of a spender person. I hang out with my friends ALOT and I need money for that, as well as paying for my phone bill each month. My natural instinct is to buy something, even if I don't need it. Any tips on how to save more money and not blow it on useless things?

Good for you to realize that this is a problem at age 13! Many people get seriously in debt before they realized that their own spending tendencies are the problem. You are at a great age to learn habits to control your instinct to buy stuff. Here are some suggestions:

  • Open a savings account. When you get some money, put at least half into that account. This makes it so that you have to think a bit to get at the money.
  • Hopefully your phone bill is pretty much the same amount every month. Of the money you keep, put away half until you have saved enough to pay your phone bill.
  • The remaining money is what you have to spend on hanging out with friends. When it's gone, you've got no more money to spend on hanging out. Whenever it's time to go out with friends, look at how much you have and see if you have enough to engage in that activity.
  • When you see something you want to buy, you have to make a choice. If you have the money, you can buy it - but then you won't have the money when you want to hang with your friends. Or do you even need this item? Will it just become more clutter for you to deal with?
  • If you mess up you can fall back on your savings. But know that whenever you take money out of savings, unless it is for something you've been saving up for, you have departed from your intention of saving and being more responsible with money. Having to go get your money from savings gives you the time to have second thoughts about your purchase decision.

You can do this. You can become more conscious about what you spend, and spend more deliberately. This will put you on good footing for when you have a lot of bills and responsibilities.

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