If you want to know how and why money not spent is money earned, this article is perfect for you.

It reveals many powerful tips to help you understand why money not spent is money earned.



As the old saying goes, necessity is the mother of invention.

In other words, if you need to have something done or accomplished and you don’t have the proper tools, materials, etc., you can find a variety of different ways that might be able to help accomplish the goal that you had in mind.

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When trying to save money or not spend money and realize that money is earned, there are a variety of ways that this can be accomplished.

On the income side of the budget, you can earn more money and not spend it, or on the expense side of the budget, you can cut out expenses that would not be spent and therefore earned.

Or another way would be not to spend at all on certain items that you have budgeted and is not spending; this would be money earned as well.

With all of this in mind, let us take a look at some helpful action items and tips that we can pursue to not spend money and realize this money as earned.


Personal Story

I was in a smartphone bind in that the outlet on the phone to plug in the charging cable was damaged.

The phone, as part of my son’s plan, did not have the capability of being wirelessly charged, and so there I was with a smartphone that had no power.

Fortunately, I bought a battery charger that was adjustable to match the various charging components of the battery.

Through this process, I was able to charge the battery outside of the phone utilizing this remote charger.

Nothing special or unique but just an illustration of how we can adjust our thinking outside of the box and accomplish the goal that we have in mind by making adjustments.

So, it is when trying to save money and making various adjustments by spending or not spending and using that money as earnings towards our savings.


25 Tips to Help You Understand Why Money Not Spent is Money


1. Budget

One of the basic actions that an individual can take when wishing not to spend money and realize that money has been earned is to create a budget.

A budget can be as simple as a piece of paper with a line drawn in the middle; on one side, you list all of your income and on the other side, list all of your expenses and then put the dollar amount next to that listing.

Ultimately the budget should at least balance out and, better yet, more money is on the income side rather than on the expense side of the ledger.

Talking about budgeting, below are some helpful guide to budgeting money:


2. Cut Expenses

Once you have completed your budget, then you can look at the expense side, and see where you can cut back on your expenses.

For example, if your car insurance is high, you could try to negotiate with your insurance company and see what discounts might be available if you’ve taken any safety driver training courses, are driving fewer miles, etc.

Also, you can look at your phone service and see if you can renegotiate your cellular plan or get on a plan with a family member and reduce your costs that way.

Each of these cost-saving measures is less money spent and therefore money that is earned.

Also See: How to Put Aside Money from Salary and How to Cut  Unnecessary Expenses.


3. Expenditure Log

Another powerful way to see how all of your monthly income is being spent to keep an expenditure log.

The basic premise of the expenditure log is that to make a purchase; you write down the date, where the purchase was made and the amount.

This goes for every purchase that you make, whether it is as simple as a candy bar, bag of chips, coffee, etc.

Most likely, you will be amazed at all of the money that you spent at the moment and if not made a significant amount of savings can be realized each month.


4. Emergency Fund

Another practical suggestion in utilizing money spent and realizing the money is earned is to set money aside in an emergency fund.

An emergency fund is a separate account that can take advantage of high-interest savings account and earn more interest than you would normally get with your bank.

That money is set aside for emergency use.

Emergency use would be defined as a car repair, repair of household appliances, etc.

In essence, a repair or expenditure that is not budgeted but, in the course of life, something that is needed.


5. Save What You Can

When trying not to spend and realize this money is earned is important to save what you can.

The amounts may not seem significant, but if you can set aside from this money in a high-yield savings account.

You are developing good habits and setting the standard for your thinking.


6. Pay Yourself First

Another important discipline to not spend money and consider it as earned is to pay yourself first.

By paying yourself first, you are setting the standard and implementing an action that speaks loud and clear that you are important, and your financial health is the most important bill to pay first.


7. Savings Account

Another important action to take is to start a savings account.

This can be with your local bank and most likely will not realize a significant return on your savings.

The importance of a savings account is that this money can be tapped into first if there is a need for extra income without having to rely on a loan or a credit card.

As you watch the savings grow, it will continue to encourage you to go down this path and continue to build.

Also, once you have a set amount in your savings, you can then transfer that amount over into your higher interest-bearing account.

Talking about savings, below are some helpful guide to saving money:


8. Pay Debt

Another important action item to take is to pay down debt.

You most likely realize that when you make a payment to a credit card company, a portion of that money goes towards the principal while the other portion of the money is paid to the company as interest for the money that you have borrowed.

Rather than paying the credit card company the interest amount, it is best to pay down the debt so that that interest payment can come back to you as money earned.


9. Housing Expenses

Another important line item that you can look at with your budget is your housing expenses.

Where you live in an apartment or own your own home, there are opportunities where you can cut down on overhead costs.

Suggested ideas would include:

  • Evaluating your insurance needs and perhaps increasing
  • the deductible to reduce your premiums
  • Investing in a smart thermostat, putting the lights on a
  • Timer
  • Etc.


10. Car

A major expense in our lives is realized if we own a vehicle.

This is especially true today as gas prices are soaring, the ongoing maintenance cost, car insurance, etc.

A possibility of cutting out car expenses is to completely do away with having a vehicle, carpool with others and share the expenses.

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Another possibility is to walk to work if this is an option.

This can be done every other day, once a week, etc.


11. Food

Another major expense in the household is the cost of food.

Ways that you can cut down on food costs can include:

  • Shopping at an outlet store
  • Picking up certain food items at the discount store
  • Shopping on certain days on certain days of the week to take advantage of the discounts
  • Etc


12. Stay Healthy

Another major expense that can sometimes affect us when we are unaware is healthcare cost.

To avoid medical treatment as much as possible, it is important to eat and exercise regularly.


13. Use Coupons

Another important shopping tip, whether it is food, clothing or other purchases is to utilize the cost-saving measure of coupons.

The coupons are generally delivered in a circular that arrives at one’s home weekly, online or in the Sunday paper.

Also, when utilizing coupons, there may be particular days or opportunities where your coupons increase in value.


14. Kick Your Bad Habits

When trying to not spend money and have that money earned another important action step that you can take is to identify any bad spending habits you may have.

Those bad spending habits could include:

  • Impulse buying while waiting in line to check out
  • Playing the lottery
  • Cigarettes
  • Gambling
  • And so forth


15. Entertainment

Another big area that utilizes a significant amount of our budget is in the area of entertainment.

Sometimes our entertainment services consist of cable, taking in a movie, subscriptions to a variety of streaming services, etc.

Why not cut back on some of these services and in the process save money.


16. Delay Spending

A discipline that you can practice is to delay your spending.

For example, there’s a new video game that comes out and you want to purchase that game.

Rather than spending the money right away on that game delay your spending for a few weeks or even a month, and then at the end of that time frame if your desire is still the purchase that video game, then by all means do so.

This is an opportunity to delay your spending, exercise discipline and not be involved in spontaneous spending.


17. No Spend Month

Another discipline that you can exercise is to practice a no spending month.

You do not spend for one month and practice a financial fast, which creates the same dynamic and cleanses your body from purchases.


18. DIY

If you own your own home, a great way to not spend money and basically earn that money is to learn how to do your own repairs around your house.

This can be accomplished by accessing the internet and watching YouTube videos to see how to swap out a faucet, change a leaking tap with a washer, makes a wall repair, and so forth.

By doing these tasks yourself, you can literally save hundreds of dollars.


19. Banks

Another important way to save money is by analyzing your relationship with your bank.

Questions that you might want to ask or get an answer to would include ATM charges for getting your money out, transaction fees, etc.


20. Automate

A great way to save money without even having to think about it is to automate the process.

You can set up an automatic withdrawal at a certain time of the month through your banking institution to a high-interest bearing account or your investment company and just have the amount automatically taken from your checking account each time of the month.


21. Thermostat

Energy costs are soaring, and a way to get control of those high energy costs will be to invest in a smart thermostat.

A smart thermostat is able to detect when you are home, analyze your usage, and adjust the thermostat settings accordingly.

If you forget to turn the thermostat up or down while you are away, you can make the adjustment via an app on your smartphone.


22. Unplug

You probably realize that even though you don’t utilize certain appliances in your home, they are still plugged in, and they are drawing power.

The best way to correct this is to use a power strip and when not using the appliances, turn off the power strip which will cut the energy flows to the devices and saves you money in the process.


23. Timing

Another important consideration as it relates to not spending money and having that money earned is the times of the day, week and seasons when you do your shopping.

Specifically, there are certain times of the day or on particular days when there are certain discounts available at the grocery store and you can take advantage of any sales or two-for-one offer.

Also, when shopping for clothes, the time of the year when shopping can save you money when clothing retailers sometimes slash their clothing prices to make room for the upcoming season, and the representative clothing.


24. Lunches

A good way to save money or not spend it and have it earned for you is to do away with buying lunches at the workplace.

It would be cheaper to pack your own lunch and you would save a considerable amount of money and not buy meals or dine out.


25. Car Pool

A considerable cost savings measure is to park your car once or twice a week and carpool with coworkers or at least with an individual who is traveling close to your destination.

Not only will this save you money in gasoline and maintenance costs but also cut down on the emissions when one or more cars are not on the road.


Money Not Spent Is Money Made FAQs

What is the Best Advice to Heed When It Comes to Want to Save Money?

The best advice to listen to when it comes to wanting to save money is to create a budget, analyze that budget, and in particular look for ways that the expense side of the various line items can be reduced.


What is the Hardest Part of Managing Our Finances if We’re Trying to Cut Back and Save?

It would seem that the hardest aspect of trying to get your finances under control in an effort to save money is to confront your attitude as it relates to money.


You Can Do It

Not spending money and considering that money earned it is not rocket science.

There are a number of action steps and techniques that you can utilize to make this happen.

The difficulty is disciplining yourself and developing new shopping habits that help you achieve your non-spending goal.



For the individual wishing to save money, there are two ways to earn money to set apart for that goal.

One of the ways to save money is to earn more money and therefore put that surplus towards your savings goal.

The other way to earn money is not to spend money but take appropriate action to cut out your expenditures.

Either road you decide to take will still get you to that destination of saving money.

Again, this company has paid $25+ million to members:

SurveyJunkie (only USA, Canada, Australia residents allowed). You can earn money sharing your thoughts. They have already paid $25+ million to their 20+ million members just for sharing their thoughts and opinions. Click here to join SurveyJunkie for FREE

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Apart from being a seasoned Personal Finance expert who has written for top publications around the world, I bring significant personal financial experience. Long story short... through bad financial choices... I found myself $100,000 plus in debt. I was able to dissolve this indebtedness and regain financial solvency. This financial turn around was accomplished through reading, studying and implementing a financial plan. My financial plan included paying down my debt through budgeting, being cognizant of where my financial resources were being spent, changing my attitude about money and understanding the binding chains of the improper use of credit. Today, and for 10 years, I have been debt free and have invested wisely to enjoy my current retirement. This is allowing me to write to help others make, save and grow money wisely!