The New Year is a time for making resolutions and setting new goals. You’ve made it! The year has just begun, so you are already on the right track to achieving your financial goals by following these 32 money-saving resolutions in 2022.

“financial resolutions for 2022” is a blog post that has been written by a financial planner. The article lists 32 money-saving resolutions for 2022.

Ah, the start of a new year. It’s that time of year when we all start to think back on the previous year and attempt to figure out how we might better in the next year. Many of us are analyzing our own finances and seeing how we might better manage our money this time around, in addition to pledging to lose that last 10 pounds and making steps to advance our jobs.

According to a OnePoll poll, 73 percent of Americans made a New Year’s goal last year to be more frugal with their money. Furthermore, the typical responder said that they would want to save $327 each month.

If you want to save more money in 2022 and beyond, here are several resolutions you may want to add to your list, as well as measures you can take to get there.

7 Ways to Become Financially Disciplined

Wpadington / iStock / Wpadington / iStock / Wpadington / iStock

1. Make a monthly savings of 20%.


A reasonable rule of thumb is to set aside 20% of your monthly salary. The remaining 50% of your money should be spent on necessities, while the remaining 30% may be spent on extras.

Suwanmanee99 / istockphoto contributed to this image.

2. Experiment with a Weekly Budget


Keeping a monthly budget might be difficult with so many transactions coming in and going out. How do you keep track of them all and manage them? What if you have a medical emergency? You’re considerably more likely to keep to a weekly budget since the quantities you have to watch are less and more manageable. Make a list of all of your weekly costs and see where you may save money by cutting down. is the source of this image.

3. Reduce non-essential spending


Spending money on things like entertainment, takeout, coffee, and other luxuries can rapidly pile up. When you’re making your budget, think about how you can save money on items you don’t really need.

SolisImages / istockphoto contributed to this image.

4. Don’t keep your credit card information on your computer.


While connecting your credit card information to your online accounts makes checking out a breeze, it may also lead to greater impulsive spending. Remove those stored cards instead, and force yourself to physically punch in your credit card information whenever you wish to make a transaction. If you have to get up to retrieve your credit card, you’re less likely to buy stuff you don’t need.

Mediagfx / iStock contributed to this image.

5. Arrange for automatic transfers.


Set up automatic transfers from your checking to your savings account by the year 2022. All you have to do now is specify the amount and the date for the recurring transfer. Then you can sit back and watch your funds grow in no time.

Marekuliasz/ istockphoto contributed to this image.

6. Get Credit Card Reward Points


When you use your credit card to make purchases, you may earn cash back. Then, when you reach a particular amount, such as $25, you may transfer it to your savings account automatically. Credit cards may be quite useful in accomplishing your savings goals as long as you pay off your bill in full each month.

B4LLS / iStock / B4LLS / iStock / B4LLS / iStock

7. Pay Off Credit Cards With Excessive Interest


If you’re not cautious, you may wind up paying hundreds of dollars in credit card interest each month. Make a strategy to pay off your high-interest credit cards by the year 2022, and stick to it. You might, for example, utilize the debt avalanche strategy, in which you pay off the highest-interest card first, then go on to the next highest-interest card, and so on. is the source of this image.

8. Get a credit card with a balance transfer option.


If you have credit card debt, signing up for a balance transfer credit card might help you pay it off quicker. For a certain amount of time, say 15 to 20 months, you’ll pay no interest on your loan until it starts to rise again.

Simply make sure you pay off your debt before the introductory time ends, otherwise you’ll be back at square one. If the interest rate is greater than the one on your present credit card, you may find yourself in a worse scenario if you don’t pay it off on time.

Kitzcorner / istockphoto is the source of this image.

9. Start a Side Business


You may freelance or do any other kind of side hustle if you have any spare time at night or on weekends. Tutoring students or driving for a ridesharing service might add up to a significant amount of money in your savings account. Even renting a room in your home on Airbnb might add hundreds or thousands of dollars to your monthly bank account. is the source of this image.

10. Dispose of any items that are no longer in use.


Another New Year’s objective for 2022 may be to declutter your house. Sell your unneeded stuff on sites like eBay, Craigslist, and Facebook Marketplace to fulfill that resolve as well as your money-saving resolution.

CrispyPork/ istockphoto contributed to this image.

11. Put money aside for retirement


You may believe that you don’t have to worry about retirement since you’re young. However, the fact is that it will arrive sooner than you expect. Plus, since compound interest works in your favor, if you start saving right away, you’ll earn more money on your investments. If your workplace has a 401(k) matching program, take advantage of it to boost your retirement contributions in the New Year. is the source of this image.

12. Put money aside for an emergency.


Would you have enough money to sustain you till you found a new employment if you lost your job tomorrow? What if you had a medical emergency or your home flooded unexpectedly? Having at least six months’ worth of money in an emergency fund will allow you to handle any unforeseen costs and avoid jeopardizing your budget and financial objectives.

Designer491 / istockphoto contributed to this image.

13. Save money on groceries by using coupons


Check your weekly newspaper for the most up-to-date grocery shop specials and discounts. You may save money by matching your purchases to the things on sale that week. Coupons may also be printed from websites like 

and P&GGoodEveryday  before your weekly shopping trips for more savings.

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14. Purchase Generic


Did you know that generic items are often identical to name-brand ones except for the fancy label? Look into purchasing store-brand and generic items instead of name-brand and generic products, whether you’re at a grocery store or a drugstore, since you might save a lot of money on your food bill.

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15. Pick a day to go through your finances.


Setting aside one day a week to review your expenditures will help you remain on track with your financial objectives. On this day, pay your bills and check your accounts to ensure you’re on track to reach your goals. is the source of this image.

16. Make a portfolio of investments


A typical savings account pays just 0.06 percent in interest on average. However, if you look into alternative assets such as stocks and bonds, you may be able to get a better return on your money. Simply ensure that you invest in accordance with the level of risk you are prepared to accept. If you don’t have much money to invest, for example, you could stick to high-performing, more established, and reliable enterprises. If you have extra cash, you may consider investing in riskier, smaller, and newer businesses.

Pinkypills / istockphoto / Pinkypills / istockphoto / Pinkypills / istockphoto

17. Open a Savings Account with a High-Interest Rate


When it comes to saving, a high-interest savings account will offer you more bang for your cash. The rates change a lot, but they usually range from.50 percent to.60 percent each year, which is substantially more than a regular savings account interest. is the source of this image.

18. Pay with cash rather than a credit card


You’ll be considerably less inclined to spend money if you utilize cash instead of credit or debit cards. It’s simple to swipe without thinking about the repercussions with credit and debit cards. Paying $100 in cash for groceries has a considerably stronger psychological impact than paying with a credit card, and it will inspire you to save more money.

Image credit: istockphoto/industryview.

19. Investigate a Different Bank


Are you aware of all the bank costs you pay on a regular basis merely to keep your account open? Do you be charged a big cost if you overspend your account? Is there a fee if you use an ATM that isn’t part of your bank’s network? Examine all of the costs you’re paying now, and then check into rivals to see whether they have reduced fees — or none at all. is the source of this image.

20. Get a Coin Jar Going


Put all of your loose change in a coin jar and take it to your bank at the end of the month to cash it in. This is preferable to utilizing a Coinstar machine, which will deduct 11.9 percent of your funds when converting them to cash. is the source of this image.

21. Make Financial Apps a Part of Your Routine


Financial applications make keeping track of your money simple. All you have to do is connect your bank accounts to these applications, and you’ll be able to see how much money you’re spending and on what. These applications will also provide recommendations on how to save money and improve your financial situation, as well as notify you when your expenses are due. Mint, YNAB, and EveryDollar are three of the most popular. is the source of this image.

Negotiate Your Bills 22.


Do you think you’re overpaying for cable? Is your mobile phone provider taking advantage of you? Then contact your service providers to see if you can get a reduced monthly payment. If you don’t succeed, you can always utilize services like Trim to negotiate lower payments and save additional money each month.

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23. Meal Preparation


You’ll have food in the fridge when you’re hungry if you prepare your meals ahead of time, and you won’t be tempted to eat out. It’s also a good idea to carry a lunch to work so you’re not tempted to buy food during your lunch break with colleagues. is the source of this image.

Cancel Automatic Subscriptions (number 24)


Examine your bank accounts for any automatic subscriptions that you don’t need or, even worse, that you don’t recall signing up for. Cancel them right away. You may be able to get your money back if a corporation charged you without your knowledge.


Reduce Energy Costs (number 25)


It may be expensive to not have an energy-efficient house. You might be squandering hundreds of dollars each month by leaving lights on or running the heater or air conditioner for long periods of time. To start saving money on your power bill in 2022, make a few modifications like replacing leaking faucets, closing gaps, putting timers on lights, and utilizing LED light bulbs.

Zinkevych / istockphoto contributed to this image.

Unsubscribe from Email Lists (No. 26)


Unsubscribe from your favorite stores’ email lists if you have a problem with impulsive buying. You won’t be tempted to spend as much after you’ve completed this since you won’t get any more information on flash discounts. is the source of this image.

27. Get rid of your gas-guzzling vehicle


Gas prices are now at an all-time high, with little indications of abating anytime soon. It could be a good idea to trade in your SUV for a car with a smaller gas tank. Hybrid and electric cars are also viable possibilities.

 You’ll save a lot of money on petrol in the long term, even if you pay a premium for them up front. is the source of this image.

28. Request Discounts


When buying tickets, reserving a hotel, or attending an event, inquire if there are any discounts available. If you’re a student, a senior, a member of the military, a state resident, or a AAA member, you could be eligible for a discount.

courtesy of nortonrsx / istockphoto

Stop buying at the store.


When you go to a shop to buy anything, you’ll have to pay full price. Instead, shop for used things on sites like eBay and Facebook Marketplace when the price is acceptable. Flea markets and thrift shops may potentially contain the items you need at much reduced costs. is the source of this image.

30. Put a spending moratorium in place.


For a week, don’t spend any money and observe how you feel. This means you’ll have to make your own coffee in the morning and eat home-cooked meals. You should also avoid purchasing on Amazon late at night, but by the end of the week, you should be able to tell your desires from your requirements. This will make budgeting a whole lot simpler. is the source of this image.

31. Hold on to Your Tax Refund


Instead of blowing your tax return on a new pair of Jordans or a trip, put it in your savings account this year. It will earn interest, which you may use toward a greater purchase later if you wish.

Sean Locke is the photographer behind this image.

32. Exercise at Home


If you want to get in shape in the new year, this is a double whammy. To begin burning fat and growing muscle, get some weights online and watch your favorite coaches on YouTube. In 2022, you may quit your costly gym membership and forget about expensive personal trainers while still feeling good about yourself.

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7 financial resolutions” is a resolution that many people make every year. The goal of this resolution is to save money in the upcoming year. This article will show you how to save money on these important things like your rent, food, and utilities.

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