Many people are waiting for a miracle to happen so they can go from a few pennies to their name in the bank, to a couple of million dollars with little to no work. When it comes to your money, small changes can add up to big savings.

Small shifts in the way you think about money, or how you spend and save it, can make a significant impact in your life, helping you reach goals you once thought impossible. These money-saving hacks can help you reach your financial goals by helping you save.

Before we get started, it would be a good idea to examine all your finances, calculate your total earnings, know how much money you owe, and ascertain all your savings and investments.

Once you’ve done all the math, record the numbers in a single spot so you can get back to it anytime, you never know when you may need to make a serious financial decision.