Does the word “budgeting” conjure up images of boring spreadsheets, strict rules, and giving up your morning latte?

If so, you’re not alone. Many people view budgeting as a chore or even a confusing process that’s not worth mulling over. But the truth is, effective budgeting is less about restriction and more about developing smart financial habits. It’s a tool that can help you meet your savings goals—whether you’re planning a vacation, buying a home, or simply aiming for greater peace of mind.

Are you ready to make your money work for you? Here are five quick and easy budgeting hacks to help you start saving more without feeling the pinch.

Start at the bottom of the pyramid

We’ve all heard that skipping your daily coffee or meal out can save you money. While it might help a bit, it can also create a sense of deprivation. Instead, focus on your largest monthly expenses—think rent, car payments, insurance, and subscriptions. Review these big-ticket items. Can you renegotiate your internet or phone bill, shop for a better car insurance rate, or cancel that streaming service you haven’t used in months? A single hour of this kind of work can save you hundreds of dollars a year—far more than cutting out a few coffees. It’s a high-impact, low-effort way to boost your savings instantly.

The envelope system

This classic technique, where you put cash for different spending categories into physical envelopes, is a proven way to keep your spending in check. But in our digital-first world, you can instead create a virtual version. Many banking apps now allow you to create “sub-accounts” or “envelopes” within your main checking account where you can digitally allocate money for groceries, entertainment, or shopping. Allocate your money at the start of the month, and once an envelope runs dry, you stop spending in that category. It’s a visual and effective way to stay accountable—no actual envelopes required.

Pause before you purchase

Have you ever added something to your online shopping cart only to regret it later? The twenty-four-hour rule is your secret weapon against impulse buys. When you feel the urge to purchase something non-essential, add it to a wish list or your cart, then walk away for a full day. More often than not, the initial excitement fades, and you’ll realize you didn’t need the item after all. This simple delay tactic gives your rational thinking a chance to catch up with your emotions, saving you from making unnecessary purchases.

Pay yourself first

This is arguably the most powerful saving hack of all. Instead of saving what’s left over at the end of the month (potentially leaving you with zero dollars), make saving your top priority. For example, you could set up an automatic transfer system with your bank so that funds will move directly to your savings or investment account the day after your paycheck hits. This “set it and forget it” approach removes temptation by keeping that money out of sight. Start with a small, manageable amount, like $25 or $50 per paycheck, and watch as your savings could effortlessly grow over time. You may be amazed at how quickly you’ll adapt to living on the leftover cash.

Rely on a buddy

Saving money is easier when you’re not doing it alone. Find a friend, family member, or partner who is also working on their finances. You can share tips, celebrate small victories, and hold each other accountable. Maybe you could challenge each other to a no-spend week or share your favorite money-saving apps. A little friendly competition and mutual support may make the journey to financial freedom far more fun.

If you’re looking for guidance and support from an industry expert, consider speaking with a financial professional. They can help you craft a budget that aligns with your goals and lifestyle so you can move forward with greater peace of mind and a stronger feeling of control.