{"id":99235,"date":"2026-10-19T14:26:20","date_gmt":"2026-10-19T18:26:20","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=99235"},"modified":"2026-10-19T14:26:21","modified_gmt":"2026-10-19T18:26:21","slug":"10-practical-money-saving-tips-to-help-you-save-more","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/banking-tips\/10-practical-money-saving-tips-to-help-you-save-more\/","title":{"rendered":"10 Practical Money Saving Tips to Help You Save More"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<p class=\"wp-block-paragraph\" style=\"font: 28px RBCDisplay !important\">Key Takeaways<\/p>\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Reviewing your spending and identifying a few flexible expenses is often the fastest way to save.<\/p><\/li>\n<li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Automating a recurring transfer to a savings account on payday, even a small amount, removes the need to make a savings decision every month.<\/p><\/li>\n<li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Behavioural habits like pausing before non-essential purchases and trying a no-spend weekend can reduce impulse spending without feeling restrictive.<\/p><\/li>\n<li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Once core habits are in place, tools like NOMI Find &amp; Save and registered accounts, such as a Tax-Free Savings Account (TFSA), can help your savings grow with less effort over time.<\/p><\/li>\n<\/ul>\n<\/div><\/div><br>\n\n\n\n<h2 id=\"h-1-review-your-spending-and-look-for-flexible-expenses\" class=\"wp-block-heading\">1. Review your spending and look for flexible expenses<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When looking to save money, the first step is always to take stock of where your money is actually going.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That means downloading your bank statements, reviewing your spend history, and categorizing expenses to understand where you spend money and why. From there, you can start to make decisions around how you\u2019ll <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/unexpected-events\/handling-financial-stress\/5-steps-for-managing-expenses-during-financial-hardship\/\" target=\"_blank\" data-dig-id=\"LP-99235-323d914c\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"manage your expenses\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">manage your expenses<\/a> going forward.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some expenses (like rent or gas) can\u2019t be changed easily. What you\u2019re looking for here are flexible expenses \u2014 expenses you can pause, reduce or redirect toward savings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You could, for example, decide to:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Put an unused streaming subscription on pause for a few months<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Reduce the number of delivery orders you place each month<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Find a cheaper gym membership that still offers what you actually need <\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Replace the daily or weekly Loblaws run with a focused bulk shop at Costco once a month<\/p><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-group has-cool-white-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Pro tip:<\/strong> <a href=\"https:\/\/www.rbcroyalbank.com\/bank-accounts\/nomi-find-and-save.html\" target=\"_blank\" data-dig-id=\"LP-99235-aaf9efcd\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"NOMI Find &amp; Save\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">NOMI Find &amp; Save<\/a> automatically analyzes spending to find spare money and moves it into savings.<\/p>\n<\/div>\n\n\n\n<h2 id=\"h-2-build-a-budget-that-feels-realistic-and-flexible\" class=\"wp-block-heading\">2. Build a budget that feels realistic and flexible<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Budgeting isn\u2019t exactly an exciting to-do list item, but it&#8217;s something <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/budgeting-your-future-self-will-thank-you\/\" target=\"_blank\" data-dig-id=\"LP-99235-0a7045f8\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"your future self will thank you for\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">your future self will thank you for<\/a>.&nbsp;A flexible, realistic budget can help you divide money across essentials, everyday spending and savings without feeling overly restrictive.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Flexible<\/strong> is the key word here.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many budgeting tips focus on strict rules that don\u2019t really line up with how the real world works. Emergency trips to the vet or mechanic happen, but even small changes in daily life can impact how your actual spending compares against your budget, such as a long detour on your daily commute that pushes up your gas costs.<\/p>\n\n\n\n<div class=\"wp-block-group has-light-grey-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\">If this sounds like you, the 50\/30\/20 approach might be a good way to <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/budgeting\/how-to-save-money-and-create-a-proper-budget\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-99235-1a8ddbd1\" data-dig-label=\"create a flexible budget that helps you save money\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">create a flexible budget that helps you save money<\/a>.<\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"936\" height=\"705\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/10\/Picture5-en.png\" alt=\"Donut chart illustrating the 50\/30\/20 budget rule, dividing after-tax income into three segments: 50% for needs such as rent and groceries, 30% for wants such as dining out and hobbies, and 20% for savings such as an emergency fund or TFSA.\" class=\"wp-image-99238\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/10\/Picture5-en.png 936w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/10\/Picture5-en.png?resize=300,226 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/10\/Picture5-en.png?resize=768,578 768w\" sizes=\"auto, (max-width: 936px) 100vw, 936px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">With this approach, you split your income into three buckets:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">50% for needs<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">30% for wants<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">20% for savings <\/p><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This way, you don\u2019t need to itemize every single cost, and if one of those daily expenses <em>does<\/em> increase one month, you have some room in the \u201cwants\u201d bucket to deal with it.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019d prefer a more tech-forward approach to budgeting, <a href=\"https:\/\/www.rbcroyalbank.com\/mobile\/feature\/nomi\/budgets\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-99235-e925f107\" data-dig-label=\"NOMI Budgets\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">NOMI Budgets<\/a> can create personalized monthly budgets, eliminating the hassle of creating one manually.<\/p>\n\n\n\n<h2 id=\"h-3-move-savings-first-with-automatic-transfers\" class=\"wp-block-heading\">3. Move savings first with automatic transfers<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A simple way to save consistently is to move money into savings before you have a chance to spend it by setting up automatic transfers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you automate a transfer, you make the decision now, not later.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There is no monthly negotiation with yourself and no temptation to skip it, because saving becomes the first thing that happens as soon as you get paid.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Setting up automatic savings transfers has a few advantages:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">You save consistently without relying on willpower or memory<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Your savings grow steadily, even during busy or expensive months<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Scheduling the transfer for payday means the money moves before everyday spending begins<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Small, regular amounts can add up faster than you might expect over time ($100 a week ends up being over $5000 at the end of the year)<\/p><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-group has-rbc-bright-blue-tint-4-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\">Most banks make it easy to schedule recurring transfers from your chequing account to a <a href=\"https:\/\/www.rbcroyalbank.com\/bank-accounts\/savings-accounts\/what-is-a-savings-account-and-how-do-i-use-it.html\" target=\"_blank\" data-dig-id=\"LP-99235-19957474\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"savings account\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">savings account<\/a>. You choose the amount, the start date and how often you want it to happen, then confirm.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With <a href=\"https:\/\/www.rbcroyalbank.com\/banking-services\/save-matic.html\" target=\"_blank\" data-dig-id=\"LP-99235-228bdb70\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC\u2019s Save-Matic\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">RBC\u2019s Save-Matic<\/a>, it takes just four steps:<\/p>\n\n\n\n<ol class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">In RBC Online Banking, under Quick Payments and Transfers, click on Pay Bills and Transfer Funds.<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">On the left-hand menu, click on Set Up Save-Matic.<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Enter the Amount you want to save, choose your From and To accounts when to start, and select how often from the Receive Frequency options, then click on Submit.<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Review your information and click on Confirm.<\/p><\/li>\n<\/ol>\n<\/div>\n\n\n\n<h2 id=\"h-4-build-a-buffer-for-unexpected-expenses\" class=\"wp-block-heading\">4. Build a buffer for unexpected expenses<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">An <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/debt-and-stress-relief\/unexpected-events\/money-in-an-emergency\/emergency-fund-guide\/\" target=\"_blank\" data-dig-id=\"LP-99235-3e339160\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"emergency fund\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">emergency fund<\/a> can act as a financial buffer for unexpected costs, such as urgent travel, car repairs or home expenses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While the common piece of advice is to save up three to six months&#8217; worth of essential living expenses, that\u2019s not practical for a lot of savers today.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While this is a good long-term goal, it&#8217;s often more realistic to start smaller.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You might set your initial emergency fund goal at $500, which could be enough to cover smaller expenses, like an emergency bus ticket to visit a sick family member or replacing the washing machine.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Once you\u2019ve hit that goal, you set a new one, perhaps growing the fund to $1000.<\/p>\n\n\n\n<div class=\"wp-block-group has-cool-white-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\">Keeping the discipline not to take money out of that account for non-emergency expenses is the tricky part, which is where something like a <a href=\"https:\/\/www.rbcroyalbank.com\/bank-accounts\/savings-accounts\/high-interest-savings-account.html\" data-dig-id=\"LP-99235-ffa4579d\" data-dig-label=\"High-Interest Savings Account\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">High-Interest Savings Account<\/a> works well, providing an extra financial incentive (a high interest rate) to keep your money where it&#8217;s supposed to be.<\/p>\n<\/div>\n\n\n\n<h2 id=\"h-5-add-a-48-hour-pause-before-non-essential-purchases\" class=\"wp-block-heading\">5. Add a 48-hour pause before non-essential purchases<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Automatic transfers work because they control your behaviour (they don\u2019t give you a chance to negotiate with yourself and decide not to spend this month).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This one\u2019s another behavioural finance hack:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Each time you want to make a non-essential purchase, wait 48 hours. It\u2019s based on the <a href=\"https:\/\/consumer.ftc.gov\/articles\/buyers-remorse-ftcs-cooling-rule-may-help#what\" target=\"_blank\" data-dig-id=\"LP-99235-663bd8de\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"1972 FTC Cooling-off Rule\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">1972 FTC Cooling-off Rule<\/a>, which is designed to protect consumers against rash decisions they later regret.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This one\u2019s especially important when weighing up a purchase that is triggered by a sale or an ad you\u2019ve just seen, which often act on that urgency.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Just leave the items you want to buy in your online cart or write them down somewhere, and come back to it after 48 hours. If it still feels useful after the waiting period and fits within your budget, you make a more intentional choice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And if you forget about it entirely, then you probably didn\u2019t need it that much in the first place.<\/p>\n\n\n\n<h2 id=\"h-6-turn-money-you-didn-t-spend-into-savings\" class=\"wp-block-heading\">6. Turn money you didn\u2019t spend into savings<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Strategies like the 48-hour pause on non-essential purchases don\u2019t just help you spend less, but they can also help boost savings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instead of letting the money you decided not to spend get absorbed into other purchases, consider transferring it to a savings account. That way, there is a tangible impact to avoiding impulse purchases that helps you meet your savings goals faster.<\/p>\n\n\n\n<h2 id=\"h-7-use-separate-accounts-to-organize-your-savings-goals\" class=\"wp-block-heading\"><a><\/a>7. Use separate accounts to organize your savings goals<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many savers find it helpful to keep money in <a href=\"https:\/\/www.rbcroyalbank.com\/bank-accounts\/savings-accounts\/what-are-the-different-types-of-savings-accounts-in-canada.html\" target=\"_blank\" data-dig-id=\"LP-99235-502d4d49\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"different savings accounts\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">different savings accounts<\/a>. You might, for example, hold accounts to save toward:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Your next holiday<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">An emergency fund<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">That new phone you\u2019ve been eyeing up<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Planned home repairs or renovations <\/p><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The main benefit of having multiple savings accounts is clarity. When each goal has its own space, you can see exactly how close you are to reaching it. You\u2019re also less likely to dip into money set aside for something else when it&#8217;s labelled with the specific goal you\u2019re working toward.<\/p>\n\n\n\n<h2 id=\"h-8-remove-saved-payment-details-to-create-a-pause-before-purchases\" class=\"wp-block-heading\"><a><\/a>8. Remove saved payment details to create a pause before purchases<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One-click checkout is designed to make spending fast and frictionless, which is exactly why it can lead to impulse purchases, which often end up being an expense you regret.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Try deleting stored cards from shopping apps, turning off one-click checkout and taking a moment before completing any non-essential purchase. If you have to get up, find your card and re-enter the details, you give yourself a few extra moments to decide whether the purchase still feels worthwhile.<\/p>\n\n\n\n<div class=\"wp-block-group has-cool-white-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\">Removing saved payment details also lowers the risk of accidental or impulse buys on shared devices, an added <a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/the-dos-and-donts-of-online-shopping\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-99235-cb79d1a3\" data-dig-label=\"online shopping security\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">online shopping security<\/a> benefit.<\/p>\n<\/div>\n\n\n\n<h2 id=\"h-9-consider-a-no-spend-weekend-once-a-month\" class=\"wp-block-heading\">9. Consider a no-spend weekend once a month<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A no-spend weekend is a short personal challenge where you pause all non-essential spending for a couple of days. You do it on the weekend, because that\u2019s where a lot of out-of-the-ordinary spending occurs, like going out for lunch or shopping online in bed on a Sunday morning.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s how it works:<\/p>\n\n\n\n<ol class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Pick your weekend and stock up on food you already have<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Line up free or low-cost activities like a library visit, a walk or a movie night at home<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Skip online shopping and non-essential buys for the whole weekend<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Notice what you actually missed and what you didn&#8217;t<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><p class=\"wp-block-paragraph\">Move what you would have spent into your savings<\/p><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s not something you do every week, but it&#8217;s a good strategy to help yourself become more aware of your weekend spending habits without being overly restrictive.<\/p>\n\n\n\n<h2 id=\"h-10-make-your-savings-progress-easier-to-see\" class=\"wp-block-heading\"><a><\/a>10. Make your savings progress easier to see<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Just like taking progress photos or tracking your weight on the scales helps you visualize progress when taking control of your health, making savings progress visible when taking control of your finances is key to staying motivated. Seeing progress over time can make saving feel more tangible and reinforce consistent habits, even when results build slowly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You could use a simple savings tracking spreadsheet (Excel and Google Sheets can whip up graphs easily to visualize progress), while digital banking tools like RBC\u2019s <a href=\"https:\/\/www.rbcroyalbank.com\/ways-to-bank\/tutorials\/nomi\/nomi-insights.html\" target=\"_blank\" data-dig-id=\"LP-99235-29abd482\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"NOMI Insights\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">NOMI Insights<\/a> can help you automate progress tracking and provide personalized updates.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"624\" height=\"263\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/10\/Picture6-en.png\" alt=\"hree side-by-side smartphone screens from the RBC InvestEase mobile app, showing an insights prompt suggesting a recent deposit be invested, a goals and performance screen with an upward-trending growth chart, and a savings insights screen with a transfer prompt.\" class=\"wp-image-99241\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/10\/Picture6-en.png 624w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/10\/Picture6-en.png?resize=300,126 300w\" sizes=\"auto, (max-width: 624px) 100vw, 624px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-group has-cool-white-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\">We also have a simple savings calculator to help you see how your money could grow over time. <a href=\"https:\/\/www.rbcroyalbank.com\/bank-accounts\/savings-accounts\/savings-interest-calculator.html\" target=\"_blank\" data-dig-id=\"LP-99235-c04cdb50\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Try it out here\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Try it out here<\/a>.<\/p>\n<\/div>\n\n\n\n<h2 id=\"h-take-the-next-step-toward-saving-more\" class=\"wp-block-heading\">Take the next step toward saving more<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Knowing where your money goes and picking a few habits that fit your life can really boost your savings. Reviewing your spending, building a flexible budget and setting up an automatic transfer on payday are small steps that tend to add up faster than expected.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Once those habits are in place, the right tools can help you go further.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.rbcroyalbank.com\/bank-accounts\/nomi-find-and-save.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-99235-48eaf6ce\" data-dig-label=\"NOMI Find &amp; Save\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">NOMI Find &amp; Save<\/a> can set money aside automatically without you having to think about it. It can analyze your spending, create a budget, transfer spare money to savings and track savings progress to keep you motivated.\u00a0<\/p>\n\n\n\n<h2 id=\"h-faqs\" class=\"wp-block-heading\"><a><\/a>FAQs<\/h2>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlefd1675b0\" class=\"collapse-toggle collapsed\" data-target=\"#accordionfd1675b0\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-99235-fd1675b0\" aria-controls=\"accordionfd1675b0\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is the $27.40 rule for saving money?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is the $27.40 rule for saving money?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionfd1675b0\" role=\"region\" aria-labelledby=\"accordion-titlefd1675b0\"><div class=\"collapse-inner\">\n<p class=\"wp-block-paragraph\">The $27.40 rule is a daily savings idea based on simple math: setting aside $27.40 a day adds up to just over $10,000 over a year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s not a hard-and-fast rule. Instead, it&#8217;s more about visualizing the impact of small but consistent habits. $27.40 a day is achievable for many (you might spend that on dinner out without thinking twice, for instance), especially when the result is $10,000 saved after a year.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlede1f86e9\" class=\"collapse-toggle collapsed\" data-target=\"#accordionde1f86e9\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-99235-de1f86e9\" aria-controls=\"accordionde1f86e9\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What is the 30-day rule to save money?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What is the 30-day rule to save money?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionde1f86e9\" role=\"region\" aria-labelledby=\"accordion-titlede1f86e9\"><div class=\"collapse-inner\">\n<p class=\"wp-block-paragraph\">The 30-day rule is a way to avoid impulse spending. When you want to make a non-essential purchase, you wait 30 days before deciding.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It gives that initial urge time to fade, so you avoid making purchases you end up regretting later (we\u2019ve all been there).<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"wp-block-paragraph\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>This article covers 10 practical money-saving tips you can start using right away, from building better daily habits to finding the right tools to help your savings grow.<\/p>\n","protected":false},"author":90,"featured_media":99236,"parent":57315,"menu_order":0,"template":"wp-custom-template-mmm-sticky-nav","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","editor_notices":[],"footnotes":""},"tags":[62,77],"rbc_content_type":[31],"rbc_audience":[],"rbc_lob_group":[509],"rbc_difficulty_level":[],"rbc_mmm_category":[318,368,367,304],"rbc_mmm_author":[],"class_list":["post-99235","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-banking-digital-banking","tag-personal-finance","rbc_content_type-article","rbc_lob_group-accounts","rbc_mmm_category-banking-basics","rbc_mmm_category-banking-tips","rbc_mmm_category-budgeting","rbc_mmm_category-money-academy"],"acf":{"contently_publication_id":"","custom_author":"Royal Bank of Canada","rbc_video_header":"","rbc_media_duration":"","rbc_video_keywords":"","rbc_video_description":"","rbc_video_upload_date":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":[{"title":"1. Review your spending and look for flexible expenses","url":"#h-1-review-your-spending-and-look-for-flexible-expenses"},{"title":"2. Build a budget that feels realistic and flexible","url":"#h-2-build-a-budget-that-feels-realistic-and-flexible"},{"title":"3. Move savings first with automatic transfers","url":"#h-3-move-savings-first-with-automatic-transfers"},{"title":"4. Build a buffer for unexpected expenses","url":"#h-4-build-a-buffer-for-unexpected-expenses"},{"title":"5. Add a 48-hour pause before non-essential purchases","url":"#h-5-add-a-48-hour-pause-before-non-essential-purchases"},{"title":"6. Turn money you didn\u2019t spend into savings","url":"#h-6-turn-money-you-didn-t-spend-into-savings"}],"rbc_toc_for_mmm_action":"Generate Table Of Contents"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Explore 10 practical money-saving tips to help you track spending, build better habits and save more over time using simple, everyday strategies.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/banking-basics\/banking-tips\/10-practical-money-saving-tips-to-help-you-save-more\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"Explore 10 practical 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