To save money you don't have to lead the life of a bum. We all know that we need to improve in 2 aspects to save more. Earn more or spend less. Today we will see 70 tips to do it better. Pay yourself Paying yourself first means putting a portion of your income into savings or an investment before spending the money on day-to-day expenses. This means that you are building an emergency fund and preparing for the future, instead of spending everything right away. Plus, setting aside some of your income early can help build healthy savings habits and develop financial discipline.