I often get approached by people wanting to know the best ways to save their money. People seem to over complicate things so here are some really easy tips on saving money so you can get your next property faster.

Prioritize long-term goals. Bigger, long term items or ventures are going to take longer to save for, so start on those first.

Get on the same page with your significant other. Going over the bills and budget with your partner can end any fights about money, and makes sure you are both heading for the same goals.

Be patient. Save until you have cash for that car, home theater system, vacation or the like. Obtaining bad debt like credit cards for items like that is only going to cost you more money in the long run.

Keep your savings and everyday accounts at separate banks. If you don’t see your savings when you log into your more frequently accessed accounts, you won’t be as tempted to spend that money. If you want them all in the one bank then make it harder for you to access that account, like having to physically go to the branch for example.

Give yourself an envelope filled with your fun money. Once that cash is gone, you have to wait until the next pay day for the next envelope, so you will learn to cut back and watch your spending very quickly.

Have an emergency fund. This is your rainy day fund in case you lose your job or a huge expense pops up. It’s better to be safe than sorry.

Communicate with your lender or banker. As you set up your plan to pay off debt, questions may arise. Credit card companies and banks often will agree to better terms or reduced cut fees if asked. So it can’t talk to them and see if you can get a better deal. If not, be prepared to shop around.

Embrace the power of cash. Paying with paper often gives you leverage to negotiate discounts, and your natural reluctance to actually hand over cash, rather than a card, can also reduce unnecessary purchases.