If you want to save money at the end of each month, the key to achieving it lies in building a solid collection of smaller everyday habits that don’t involve high demands or deprive you of the most important things.

In small steps, these can help you save for retirement, make a dream trip, give you a little treat or make it to the end of the month with more ease, as well as overcome unexpected expenses.

Implement viral methods of saving like the Japanese Kakebo technique to save up to 35% of your salary – it is a kind of method to record your expenses and income, allowing you to look on your habits, learning to save and improve your financial management skills.

Here are 9 daily tricks to save money:

Set up automatic transfers

Some banks have options to automatically reserve or set aside a fixed amount of money every month (i.e. fixed or recurring deposit). You can have an untouchable account exclusively for saving or make regular transfers to save a percentage of your salary.

Plan your purchases in detail

Make an accurate shopping list with a maximum and minimum budget, evaluate possible offers or discounts, and avoid impulsive expenses, superfluous whims and the purchase of unnecessary items.

Find cheaper alternatives

In areas such as clothing, leisure, or food, try to save money or opt for less expensive options, don’t get fantasized by the private labels for every product. Bigger the private label brand, more expensive would be the product.

Calculate expenses

Create a monthly fund to pay expenses such as bills, receipts, or rent. This way, you can save in a more orderly manner.

The traditional piggy bank

The weekly savings margin can end up in a piggy bank that you will not break until it is full or in a certain period of time. There’s plenty of room for your change, your daily shopping returns, or bargain you do everyday.

Commit to saving the extras

If you’ve had a great month as a freelancer or earned through stocks or you’ve got the annual bonus, or you’ve won lottery, or you’ve been paid for a late project, don’t use everything of it and instead save that money.

Specific saving piggy

You can have different saving piggy banks for different purposes such as leisure, cultural products, holidays and trips, eating out, training or household expenses.

Spend less on a specific category

Instead of saving in all areas, you can bet on doing it in an area where there are redundant costs. For example, if you pay separately to go to the gym, to the pool and have a personal trainer, think about how to combine them in the same service and get discount. Also, if you are constantly throwing out expired food, rethink the way you eat and make changes in your eating habit.

Take the time to track your financial progress

Evaluate your debts, the money you earn, check account or investment performance regularly, and your chances of saving at the end of each month.

And always remember – penny penny makes many.