#2 Small Tricks That Help Me Save Big Money.

2 Small Tricks That Help Me Save Big Money By Jessica Lauren of NoRealJewelry.Com

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For the past year or so I have been neglecting my personal finances BIG TIME! I used to be so on top of my money matters 😩 Seriously! I paid off 3 HUGE credit card bills, had a nice and cushy savings account and was annihilating my student loan debt left and right. Well, then the blog happened. For the past two years, my sole focus has been on creating meaningful content and building a business out of this little slice of internet space of mine.

Yeah, you’ve probably guessed it—I’m one of those people that aren’t so good with balance. If I’m super focused, passionate and dedicated to one thing;  it’s really hard for me to split that passion and focus on anything else. I know girl, you’re probably like “Jess how in the hell did you survive if you weren’t really on your money game?”It’s pretty simple, I did what most of us do—as long as all of my bills were paid on time and Chase didn’t send me any notifications about my account over-drafting I was fine.

Here’s the thing though, I know wayyyy better than that.  I am pretty savvy when it comes to money and savings. I got into a ton of debt when I was college (like most of us) and I did everything in my power to take control of my finances. I read all the books, I snowballed my payments (shout out to Davey Ramsey), I created emergency funds, I picked up 3 jobs and made huge sacrifices to whip my finances back into shape. (hello, not having a car from 2006-2013 😒).  I learned the hard way to respect money, so I was pretty disappointed in myself when my relationship with money went from Michelle and Barak to Stevie J and Joseline.

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So over the course of the past few months I finally put my foot down and I got back in the money game. I stopped shopping like crazy and created a capsule wardrobe. I budgeted and actually stuck to it. I made myself sit down with my money 3 times a week and crunch the numbers. I became intentional with my money and now my savings is back up. The little bit of credit card debt that I fell back into is in the midst of being gone baby gone. And most importantly, I am back in control. I figured I can’t be the only one on the struggle bus when it comes to saving so I decided to share my little hacks that help me save.


Here are 2 Simple Hacks I’ve used To Save My Coinage:

Digit – Digit is the coolest app on this earth! I’ve been using it since April and it’s already helped me save almost $2,000. It’s really simple to use. Here’s how it works!

See! I told you it was easy! 

All you have to do is download the Digit app (available for Apple + Android devices) and connect it to your checking account. Don’t worry, Digit is FDIC insured. 

After that Digit will start automatically saving small increments of cash based on your spending habits into your Rainy Day Fund.

Now, If you’d like to save for a specific item or event you can set up #GoalMojis!

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Here’s a little peek at my new #GoalMoji’s. I can’t wait to knock these goals out of the park!

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The cool thing about Digit is that it doesn’t take huge lump sums of cash out of your account. It’s $3 bucks here, $7 bucks there. Amounts that you don’t even notice–or better yet, it’s money you would’ve spent on a Mocha Frappuccino from Starbucks. With Digit you can save without even thinking about it because it does all of the work for you automatically. Sign up now! The first 100 days are free and then $2.99 per month. Not bad at all!


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I Put My Money Back-  this Christmas my sister gifted me a bomb ass Keurig. Now I love me some Starbucks and Dunkin Donuts like every other coffee fiend. But my daily coffee break was costing me the big bucks. Even if I made coffee at home I would stop by Starbucks a little later in the day and get my Frappuccino on and poppington! Now $5 at first doesn’t seem like that much right? It’s just a treat, right? But when you do the very shocking math—my 3-5 trips a week to my favorite coffee houses was costing me roughly $1200 at the end of the year! Yikes! 

So I had to give myself some tough love. I made a little deal with myself. If I made coffee from home all week long—then I could treat myself to a Mocha on Saturday morning. Simple enough. Well, I took it a step further. Every time I made coffee from home I’d put the $5 I would’ve spent at Starbucks into my savings account.

I’d stop right there and as the coffee brewed I’d transfer the $5 into my savings acct. I was giving myself my money back!

I’d also do that with my Mani’s + Pedi’s—If I did it at home then voila, the $70 I would’ve spent went right into my savings account. If I craved a pizza but decided to stay in and cook that $10 went into my savings. Do you catch my drift? If I made a sacrifice I decided to take the money I would’ve spent and saved it.

I even used my little trick to pay off some debt. When my credit card got out of hand, I’d add those small savings to my monthly minimum payment to knock the debt out faster.  

Now I know some of you are thinking; “Why go through all of that trouble? Just leave it in your checking account?” I hear you girl, but for me, keeping that money separate and seeing my savings grow helped me to save even more. I kinda became addicted to it.  It made me realize A.) how much money I was throwing away. And,  B.) It helped me make some lifestyle changes so that I wouldn’t blow my money so frivolously. 

Saving doesn’t have to be some huge daunting task. With just these two small tricks you can regain control of your money and save up towards your financial freedom in no time! What are some of your secrets to savings? Let me know in the comment section!

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( mm / dd )



Jessica Lauren

7 thoughts on “#2 Small Tricks That Help Me Save Big Money.

  1. Amber

    I feel personally attacked and inspired by this post all at once haha These were great tips! I recently started focusing on building an emergency fund and putting more in savings and I know I could make more sacrifices. Building a brand and blog definitely make it easier for me to justify purchases and spending. I’m going to try paying myself back more often to give my savings a nice little boost!

    1. Jessica | No Real Jewelry Post author

      Girl I blame all my purchases on the blog! Lol! I buy McDonald’s and be like “but it’s for the blog though” Lying like a liar! Lol! But seriously I had fallen off big time and needed to get back on track and Digit and paying myself back has been so major. At first, I was thought I was doing the most, but if the most was going to keep some coins in my pockets then I was down for it. Thanks for reading, I am so glad it helped! And if it’s any consolation–we should start a “Blog” goalmoji so when we spend, we won’t feel guilty. 🤑

  2. tasha

    This is a great post! We sometimes make the excuse of how hard it is to save when it’s really not. We have to be committed to doing so. Ten percent of what I make goes to savings, and then when extra money comes in I put that in my savings too.

    1. Jessica | No Real Jewelry Post author

      So true! It can seem so daunting until you get savings going. Then you realize it ain’t all that bad. You just have to figure out what works for you. It’d be cool to save $1k a month but if you can only put aside $20 every two weeks, do that! It adds up pretty quickly! Thanks for reading! Xoxo, Jess

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  4. Claire

    Jessica! I heard your guest appearance on the Being Boss podcast and wandered over to your site to check you out. So thankful that I landed on this post! I just signed up for Digit and love it already. I’ve been looking for a way to save money envelope style but have been having such a hard time being diligent about it. Digit is the perfect solution. Not only is your site beautiful and inspiring, the practical advice I am finding here is such a blessing! Thank you for all that you do 🙂

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