4 Ways to Spring Forward Your Finances for Daylight Savings Time

Phroogal Daylight Savings Time

I’m sure you’re excited as I am with the prospect of longer daylight hours. I love waking up in the morning with the sun shining and heading home after a long day with the sun still brightening the horizon.

It sure does seem like the day is longer but actual time hasn’t changed just our perception of it – through our watches. I won’t talk about the pros and cons of Daylight Savings Time because you probably have read about the history and had conversations online and offline about DST.

Daylight Savings Time is a fact we live with in America. The other fact is that savings rates in America are extremely low. We simply aren’t saving enough.

So, I’m claiming Daylight Savings Time as a time period to spring forward into a habit of savings. What’s great about this DST period is that it has a beginning and an end. It’ll shine a light on the importance of savings for your immediate future and retirement needs.

I’m challenging you all to a 238 day of Daylight Savings. The prize? Your savings account after the challenge is over.

The goal of course is ingraining the habit of savings well before the holiday spending season begins which coincidently is when DST ends on November 2nd.

4 Ways to Save During Daylight Savings Time

1. Set a savings goal. Set a savings goal that you’d like to achieve by November 1st. It might be funds for the holiday gift list, a winter vacation or simply challenge yourself to see if you can set a financial goal and achieve it.

2. Transfer a dollar a day. If saving is something you haven’t done, start by depositing or transferring $1 each day into a savings account. Don’t cheat by depositing $7 for an entire week. The idea is for you to become aware of your savings account and ingrain a habit of depositing into it. One dollar doesn’t seem a lot but think of it as an exercise. The small amounts lead to larger weights…er…um…dollar amounts.

This exercise is great for children too. Give your child a dollar and have them place it in a savings jar. If you’re tech savvy, show your child how money is transferred from your account into their savings account online.

3. Save $5 a day by cutting out a daily treat. If you’re like me you might be spending $5 on coffee at your favorite cafe. During DST, goal yourself to save $5 per day and place that amount into a savings account. By the end of Daylight Savings Time, you’ll see a savings account with $1190.

4. Lower monthly expenses. Spring into action and cut out unnecessary monthly payments. Call up your cellular company, cable, gas and oil providers and ask for a discount or learn about new deals that can save you money. Any dollars you save on bills is then transferred into a savings account.

We all know the importance of savings and there are many ways to save. The motivation to save is just a latent one so we do need clever ideas to get the savings mojo going.

What are some of your ideas to save during Daylight Savings Time?

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  1. What a great idea, Jason! This reminds me of our “Christmas All Year Round” savings game. My husband and I basically put away $30 each per month into our Christmas savings account. By Thanksgiving, when most people are trying to figure out how the heck they’re gonna buy all those Christmas presents, we are done saving! The beautiful part about all this is, it takes very little effort to snowball the savings :-)
    Thanks for the idea – we might just start this too!!

    1. Thanks. What I hope will happen by the time spending season starts is this ingrained savings habit.

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