It’s all too easy to look at your personal finances and feel completely overwhelmed.

The bills.  The debt.  The 1001 ways to save on things.

It is so hard to know where to begin and all too often that means we end up doing nothing.

But there is a way to save time and money in just a few minutes.  Really.

How to Save Time And Money In Just a Few Minutes

The secret is this:  Start with something small.  Start with a money-saving task that takes just a few minutes to complete.

It doesn’t matter what it is.   It could mean writing out a meal plan.  It could mean hanging your clothes outside to dry.  It could mean straightening up your pantry.  It could mean cancelling a paid service you’re no longer using.

You could mend that pair of jeans with the hole in them.  You could ride your bike to the library.  You could raise your insurance deductibles.  You could do a few online surveys to make some cash.  You could look for coupons for your next shopping trip.

Just doing that one small task – that one money-saving thing you do – makes a small difference.  And if you take just a few minutes every day to keep doing those small tasks, you will start to see that you are building momentum.  You will find yourself moving away from a life of spending without thinking to one in which you consider every purchase thoughtfully.

You will find that because you are starting to get things done, you are less stressed. Less stress will help you to think more clearly.  Instead of wasting time stressing out, you’ll be saving time by taking care of the little things that need to get done before they become big deals.

You will start to make progress toward paying off debt and you will start to learn skills that will help keep you out of it.

You can’t expect to dig out of debt in a day.  You can’t expect to learn every single thing you need to do to save money in a day.

But you can make a tiny bit of progress with just a few minutes each day.

All those tiny bits of progress add up.  And that is a whole lot better than doing nothing.