8 Simple Ways You Can Be Smarter About Your Money

7. Live Below Your Means

The best and most effective way to save is to consider your earnings lower than they actually are. Just keep in mind that you should spend your money not on the things you can afford, but on the things that cost lower than that. Instead of investing your money, consider saving first. Keeping your money in a bank account with a high interest rate is perhaps the best investment option you have.