By Reem Asaad

In a busy world, many people are interested in saving money but not sure how to go about it.

Here, I aim to teach you some ways to do that without big changes to your life style.

1. Save your small bills. Get smart with saving.

The monetary impact of collecting Riyal over Royal may seem useless, but this is a warm-up step in the entire saving journey.

2. Save and spend equally.

Set aside an amount equal to whatever is spent on nonessential indulgences. Put an equal amount in a cute box for expenditures on a Godiva bar, designer coffee, etc.

3. Avoid interest.

When using your credit card, try to pay off the full balance before the end of the billing cycle. By no means make the “minimum payment” because that’s when your interest is highest.

4. Impulse buying is a big NO.

Never purchase expensive items on impulse. Think over each expensive purchase for at least 24 hours. Chances are you will have no regrets.

5. Use debit card not cash.

It simply allows you to track your spending. The statement layout helps you determine why you actually made a purchase and if you need to repeat it in the future.

6. Keep track of your spending. Use online banking.

If you’re like me with no patience for bank visits and long lines, then bank online, or use mobile banking. And technology doesn’t stop there. If you find mobile statements too dull, download a budgeting app like: