We all want to save money, but sometimes it seems like once the bills are paid, there is nothing left. Here are 10 simple money-saving hacks to help build your nest egg.

1. Automated savings

You can do this one of two ways, and without even thinking about it, your savings will grow:
– Use online banking to set up an automatic monthly transfer from your checking account to your savings account.
– Designate an amount in each paycheck to be deposited in your savings account.

2. Contribute to a piggy bank

This childhood flashback worked for you then, and it will work for you now. At the end of every day, empty the change from your pockets, purse, or car into a piggy bank. As the expression goes: “Watch your pennies, and your dollars will watch themselves.” Before you know it, you will have big bucks in your bank!

3. Make a meal plan

Plan your meals for the week and stick to your list at the grocery store. This will help you avoid being tempted by higher-priced items or additional goods you don’t need.

4. Build your credit

Good credit can save you money! Your credit score will not only be used to determine the rate on your loans, but your insurance and utility company may also use it to calculate your rate.

5. Look for coupons, discounts, and rewards

Paying full price can empty your bank account. In addition to accepting manufacturer coupons, many grocery stores offer their own vouchers, and some even have reward programs that give you cash back. When shopping online, search for discount codes or install a browser plug-in that does the work for you. There are even some apps that reward you with cash or gift cards for scanning your receipts.

6. Designate a “no-spend” day

Designate days where you do not spend a penny from your pockets or your bank account. Give it a try; you’ll find it’s easier than you think!

7. Track your spending

Record every dollar you spend and analyze your purchases each month. The simple act of writing down your expenses will make you think before you buy!

8. No more late fees

Automate your monthly payments and never forget a bill again. Some companies even offer discounts for using their automatic payment features.

9. Start an emergency fund

You never know when unexpected expenses will arise, so be prepared! Having money set aside for these surprises will take the edge off and reduce your stress levels.

10. Treat yourself

When you reach a savings goal, treat yourself to something special. Saving takes self-discipline and is not always easy. Every once in a while, reward yourself for doing it. A new pair of [reasonably-priced] shoes goes a long way toward getting you through the saving process.

These hacks may seem trivial, but together, they can add up to significant savings. Start with small changes—as your comfort grows, your bank account will follow!