{"id":3626,"date":"2026-06-17T14:06:23","date_gmt":"2026-06-17T19:06:23","guid":{"rendered":"https:\/\/blog.nu.com\/?p=3626"},"modified":"2026-06-18T15:26:39","modified_gmt":"2026-06-18T20:26:39","slug":"how-to-improve-your-money-saving-habits-and-actually-stick-with-them","status":"publish","type":"post","link":"https:\/\/blog.nu.com\/en\/finances\/financial-behavior\/how-to-improve-your-money-saving-habits-and-actually-stick-with-them\/","title":{"rendered":"How to improve your money-saving habits (and actually stick with them)"},"content":{"rendered":"\n

Most people want to save money. Fewer actually do it. Bankrate’s 2026 Emergency Savings Report<\/a> found that only 46 percent of Americans have enough savings to cover three months of expenses. The gap between wanting to save and saving is real.<\/p>\n\n\n\n

The problem is rarely a lack of information. You already know saving matters. What most people lack is a system — a set of financial habits that run on structure, not willpower. These five steps will help you build money-saving habits that hold up even when motivation fades.<\/p>\n\n\n\n

1. Know exactly where your money goes<\/h2>\n\n\n\n

You cannot save what you cannot see. Before you set any savings goals, track your spending for one full month.<\/p>\n\n\n\n

Sort everything into fixed costs, flexible costs, and discretionary spending. Fixed costs include rent, utilities, and insurance. Flexible costs cover groceries and transport. Discretionary spending is everything else — dining out, subscriptions, and impulse purchases.<\/p>\n\n\n\n

Most people who do this find 10 to 15 percent of their spending they did not realize was happening. Your banking app likely has a spending breakdown built in. Use it. That awareness alone changes how you make decisions with money.<\/p>\n\n\n\n

2. Start with a specific, small goal<\/h2>\n\n\n\n

A common mistake is setting a target so ambitious it collapses in the first month. Committing to save 30 percent of your income when you have never saved at all creates frustration, not habits.<\/p>\n\n\n\n

Start with something specific and small. “Save $500 for an emergency fund<\/a> in three months” works better than “save more money.” Research on goal-setting by Edwin Locke and Gary Latham<\/a> shows that specific goals consistently outperform vague intentions.<\/p>\n\n\n\n

Use the SMART framework to pressure-test your savings goals. Make them specific, measurable, attainable, relevant, and time-based. A goal you can actually reach builds momentum. That momentum is what turns a one-time effort into a lasting financial habit.<\/p>\n\n\n\n

3. Automate it so you do not have to decide<\/h2>\n\n\n\n

One of the most reliable ways to build money-saving habits is to remove the decision entirely. Schedule an automatic transfer for the day after payday. This is the “pay yourself first<\/a>” principle: your savings move before you have a chance to spend.<\/p>\n\n\n\n

Even $25 a month transferred automatically beats $200 saved only when you remember. Automation turns saving from a choice into a default. Set it once and let it run. Learn more<\/a> about how to automate savings and simplify the process.<\/p>\n\n\n\n

4. Reward the behavior, not just the result<\/h2>\n\n\n\n

Charles Duhigg, in “The Power of Habit,” describes the habit loop<\/a>: cue, routine, reward. Every lasting habit needs all three.<\/p>\n\n\n\n

For saving, the cue is your payday notification or a calendar reminder. The routine is the transfer — automated or manual. The reward is what most people skip.<\/p>\n\n\n\n

Find something that creates a positive association with the act of saving. Check your growing balance. Mark a streak on a calendar. Give yourself a small treat. People who reward the behavior of saving — not just reaching the end goal — maintain their financial habits longer. Set a monthly check-in to review your progress and recognize how far you have come.<\/p>\n\n\n\n

5. Treat setbacks as data, not failure<\/h2>\n\n\n\n

Researcher Phillippa Lally and her team at University College London<\/a> found that habits take an average of 66 days to form. That range stretches from 18 to 254 days, depending on the person and the behavior. Building money-saving habits takes time.<\/p>\n\n\n\n

The same study showed that missing a day or two does not reset your progress. If you cannot save your planned amount one month, save anything. Even $5 keeps the habit alive. A month where you save $10 instead of $100 is still a saving month. Consistency matters more than perfection. The Nubank x Ipsos research report<\/a> on financial behavior confirms that small, sustained actions lead to lasting change.<\/p>\n\n\n\n

Build the habit, then build on it<\/h2>\n\n\n\n

You do not need a perfect plan to start saving. You need a first step. Start by seeing where your money goes, then set a small goal and automate it. Reward the behavior of saving, and keep going when things get hard.<\/p>\n\n\n\n

Over time, how to save money stops being a question you search for. It becomes something you just do.<\/p>\n\n\n\n

Get Insider Access<\/strong><\/h2>\n\n\n\n

Nu is coming soon to the US and many other countries. Get exclusive updates and find out when to sign up for Nu here<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Learn 5 proven steps to build money-saving habits that stick — from automating savings to rewarding progress. Start small and save consistently.<\/p>\n","protected":false},"author":16,"featured_media":3112,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[31,54],"tags":[],"class_list":["post-3626","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finances","category-financial-behavior"],"acf":[],"yoast_head":"\nHow to improve your money-saving habits (and actually stick with them) - blog.nu.com<\/title>\n<meta name=\"description\" content=\"Learn 5 proven steps to build money-saving habits that stick -- from automating savings to rewarding progress. 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