Abracadabra, Alakazam! Poof – money appears out of nowhere.

A swish of a wand is all it takes in magic shows or the movie, but this is real life. In reality, money doesn’t grow on trees and fall on the branches into your lap. We are all too long in the tooth to understand that God giveth and he taketh away. To create an emergency fund, it’s time to start saving ASAP.


Putting money away is helpful but it won’t boost the coffers quickly. There is only so much a cash-strapped family man can squirrel away every month. To turn $0 into a large amount, you need to take a look at the advice underneath.

Talk To HR

The human resources department has nothing to do with saving money unless they’re offering a pay rise. Alas, this is not the case so why are you standing there darkening their door? The answer is tax-related. Every year, the IRS takes an estimated amount of income from employees that they end up paying back. According to sources, it’s about $250 per month. To fix this anomaly, all you have to do is to go the HR department and ask for a W-4 form to adjust your allowances. After that, the money can go straight into a savings fund for the future.

Haggle Over Bills

People are often too nice regarding their expenses. Sure, comparison sites help us to find the best deal on the market, but there’s no reason to stop there. Thanks to haggling, it’s possible to negotiate an even better rate than the one on the internet. And, it’s worth a try because the worst that can happen is that they say no. Always do it over the phone rather than online because AI chatbots will provide a standard response. There is emotion involved when you deal with a human being.

Be Bold

There are occasions when money is on the table but you aren’t sure. Anyone who has had to ask for personal injury help from an attorney will understand. The accident wasn’t your fault and you deserve compensation, yet it’s hard to pull the trigger. It’s as if you feel like your gaming the system, almost like you’re giving in to the stigma. Sure, the process is a tad emotional but now is the time to be bold. The money will go a long way and sustain you for a long time. Anyway, you deserve it if you did nothing wrong.

Hide It

Hiding money sounds difficult yet it’s perfectly straightforward. Log in to your online banking account and create a debit for an amount you can afford. Let’s say $100. Then, let the bank take the money and transfer into another account for a couple of months. By the time you realize the cash is there, it will come to a significant total. And, you’ll live as if you are a $100 lighter so there won’t be any extra bills on top. A cool tip is to do it with an organization that doesn’t use online banking.

Do you have $0? Then you’ve got the perfect amount to start saving.

Greg Kononenko
Greg Kononenko

My name is Greg Kononenko and I am a full-time online blogger and owner of Dad's Hustle. I'm a dad, and my passion is to help other mums and dads to start their own "hustle" and improve the financial future of their families.

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