6 simple money-saving hacks no one told you

Wealth Letter is Brought to You by: Mode Mobile

A few years ago, I kept asking myself the same frustrating question:

“Where does all my money go?”

I wasn’t buying designer clothes or taking first-class vacations, yet my bank account was always running on fumes.

Then I started tracking my expenses. The result? Mind-blowing.

It wasn’t the big purchases draining my cash—it was the small, mindless ones. The extra streaming subscriptions, the random late-night Amazon buys, the “it’s just $10” expenses that added up to hundreds by the end of the month.

The good news? You don’t need to earn six figures to start building wealth. You just need to plug the leaks in your bucket.

Here’s how to do it.

Why the Usual Advice Is Broken

Most people think saving money requires:
Extreme budgeting (who wants to track every coffee purchase?)
Living like a monk (no fun, no vacations, just hoarding cash)
Waiting for a better job (while still spending recklessly)

But here’s the truth:

It’s not about how much you make. It’s about how much you keep.

Think of money like a leaky bucket. You can keep pouring more water (income) into it, but if the holes (unnecessary spending) aren’t fixed, you’ll always feel broke.

Let’s patch those holes.

The Better Way to Save Without Sacrifice

Here’s how to reprogram your brain for financial success using six simple, psychology-backed money hacks:

1) The Envelope Method – Create a Spending GPS

Example: Imagine you get paid $5,000. Instead of blindly swiping your card all month, you withdraw cash and split it into envelopes labeled Rent, Groceries, Fun, Travel, Savings, etc.

 Why it works:
✔️ Paying in cash makes spending feel real—helping you avoid impulse buys.
✔️ Separating money by category stops you from accidentally overspending.

How to start today:

• List your monthly expenses.

• Withdraw your spending money in cash.

• Use envelopes (or a budgeting app like YNAB).

2) The No-Cart Method – Outsmart Grocery Stores

Supermarkets are designed to make you spend more. That’s why they put essentials like milk and eggs in the back, so you have to walk past tempting snacks first.

Solution: Ditch the shopping cart. Carry only what you need in your hands.

Why it works:
✔️ Less space = fewer unnecessary purchases.
✔️ Forces you to stick to essentials.

How to start today:

• Write a strict grocery list.

• Buy only what you can carry.

• Skip the snacks at checkout!

3) The Debt-First Formula – Escape the Money Trap

Debt is like a silent tax on your future. The longer you wait to pay it off, the more it grows.

Fix the hole first.

Two proven debt payoff strategies:
✔️ The Snowball Method: Pay off the smallest debts first for quick wins.
✔️ The Avalanche Method: Pay off the highest-interest debts first to save more in the long run.

How to start today:

• List your debts from smallest to largest.

• Choose a strategy & automate payments.

• Stop using credit for non-essentials.

4) The Less-Is-More Subscription Rule

Streaming platforms, premium apps, gym memberships—these silent expenses drain your bank account without you noticing.

Example: If you have Netflix, Disney+, HBO Max, Spotify, and a $40 gym membership, you’re spending $100+ monthly without realizing it. That’s $1,200 a year.

Solution: Audit your subscriptions. Cancel anything you don’t actively use.

How to start today:

• Check your bank statements for unused subscriptions.

• Cut down to one or two essentials.

• Use free alternatives (YouTube, podcasts, public libraries).

5) The Pause Method – Trick Your Brain Before Big Buys

Most people buy expensive things on impulse. That’s why retailers push “limited-time deals.”

Solution: Whenever you want a luxury item, put it on a 30-day waitlist.

Why it works:
✔️ Reduces emotional spending.
✔️ Gives you time to decide if you really need it.

How to start today:

• Create a “Want List” in your phone notes.

• If you still want it after 30 days—buy it guilt-free.

6) The Goal-First Mindset – Give Your Money a Job

Money without a plan gets wasted. Every dollar should have a mission.

Example: If you want a $5,000 vacation in a year, divide it into $417/month. Suddenly, saving seems easy.

How to start today:

• Write down your top 3 financial goals.

• Break them into monthly savings targets.

• Automate transfers into a separate savings account.

Make Saving Money Fun

Saving doesn’t have to feel like a chore. Turn it into a game:

The No-Spend Weekend Challenge: See how long you can go without spending money.

Round-Up Savings: Use apps like Acorns to round up purchases & invest spare change.

Cash-Only Week: Try paying only in cash for a week—watch how your spending habits change.

Wealth Opportunity: The Fastest-Growing Software Company

This tech company grew 32,481%..

No, it's not Nvidia. It's Mode Mobile, 2023’s fastest-growing software company according to Deloitte.

They’ve just been granted their Nasdaq stock ticker, and you can still invest at just $0.26/share.

Learn More

*Mode Mobile recently received their ticker reservation with Nasdaq ($MODE), indicating an intent to IPO in the next 24 months. An intent to IPO is no guarantee that an actual IPO will occur.
*The Deloitte rankings are based on submitted applications and public company database research, with winners selected based on their fiscal-year revenue growth percentage over a three-year period.
*Please read the offering circular and related risks at invest.modemobile.com.

Small Changes = Big Wealth

Getting rich isn’t about winning the lottery or making six figures.

It’s about fixing the leaks in your bucket—so no matter how much you earn, you always keep more.

So, which of these six hacks will you try first? Hit reply and let me know—I read every response.

To your wealth,

Hit "Reply" and let me know—I read every response.

Be Wealth Operator