Too Broke to Save Money?

 Think You’re Too Broke to Save Money? Think Again!

If you’ve ever told yourself, “I just don’t make enough to save,” you’re not alone, and you’re NOT stuck!
In the Seeds Financial Training Series, we break down how anyone, no matter their income level, can begin saving money without needing a raise or a windfall.

The truth? You don’t need more money. You need a new mindset.

Whether you’re living paycheck to paycheck or struggling to find extra cash, this blog is here to equip you with biblical wisdom, real-life strategies, and a simple plan to help you build savings one dollar at a time.

Why Saving Is a Spiritual Habit

Jesus said in Luke 16:10, “Whoever is faithful with little will also be faithful with much.”

Saving isn’t just a smart financial move; it’s an act of wisdom and stewardship. It’s a way to prepare for the future, honor God with your money, and create breathing room in your life.

The 3 Levels of Savings Everyone Should Build

1. Emergency Savings (Goal: $500–$1,000 to start)
   This covers life’s unexpected hits—car repairs, medical bills, or job loss.

2. Short-Term Savings
   For upcoming expenses like birthdays, holidays, or back-to-school costs.

3. Long-Term Savings
   Think legacy. Retirement. Business dreams. Generational wealth.

When you break your savings into layers, it becomes less overwhelming and much more doable.

Easy Ways to Start Saving—Today!

• Automate It: Use tools like Chime, Ally, or Qapital to round up purchases or set automatic transfers—even if it’s just $1 a day.
• Bank Hacks: Set up a savings sub-account labeled “Emergency” or “Dream Fund.” Out of sight, out of mind = out of reach.
• Kive a Simple Life, Cut Small Things (You Won’t Miss):
  • Unused subscriptions
  • Extra streaming services
  • Daily convenience purchases (looking at you, $6 coffee)

Even $5 saved each day = $150/month!

Set Your First 30-Day Savings Goal

You don’t need to wait until “someday.” You just need to start today.

Watch this 13-minute video about SAVINGS

Watch this Short

Set a simple goal—like $50, $100, or $200—and commit to it. Every dollar saved is a dollar planted.

Want to Go Deeper?

Join the Seeds Financial Freedom Program
Inside, you'll get:

• 25+ video trainings

• Access to financial coaching

• Digital tools + worksheets

• Our Seeds book and Life & Wealth Planner

• Community support

👉 Subscribe Now! for a window of time for Just $37/month

What’s one thing you’re cutting or automating this week?
Let’s build our savings—together.

More Free Resources

Read More Blogs: Blog Library
Take the Financial Quiz: Start Here
Shop Book: Amazon- Seeds: Joseph's Template and Planner Amazon: Life & Wealth Planner

Let’s Stay Connected,

ABLE Family