ASH AMBIRGE

Author, CEO & Founder

Learn More >>

How to Save Money For People Who Are Notoriously Bad At Saving Money

In: Money Talk

You haven't started saving for retirement yet.

You don't know how you're going to pay your taxes (because you haven't been keeping up with—what are those silly things called?—quarterly payments.)

You certainly don't have a rainy day fund. <—Said while laughing hysterically into your beer.

And college? Well, the kids will just have to open a lemonade stand. (And charge $100 a glass.)

Disciplining yourself to save is hard: especially when it feels like you're just barely scraping by.

But that doesn't mean you should throw it all to the wind and french kiss it goodbye. Especially because you probably KNOW you should be doing these things. You know it's going to catch up with you eventually. And you probably feel pretty bad / irresponsible / guilty / like a failure of a human being for not doing it. (Even if it's just once a week at 3am when you wake up in a cold sweat crying like a baby.)

So here's what I do to keep myself in check the easy way:

Step Number One: Open a separate savings account for every single one of your goals.

For example, in my business bank account, I've got a business savings account, and a business tax savings account. In my personal bank account, I've got a retirement savings, a rainy day savings, and a guilt-free fun savings. (That I LOVE to use for something entirely indulgent, once a year.) With online banking, it's a cinch to open new savings accounts, and monitor them all in the same place.

Step Number Two: Set up automatic debit to contribute a little to each, on a WEEKLY basis. 

By setting up automatic debit,  it'll, ahem, happen automatically, and therefore, YOU CAN'T SABOTAGE YOUR OWN EFFORTS BY CONVENIENTLY “FORGETTING” TO TRANSFER THE MONEY. Or not wanting to transfer the money. Or rationalizing that you will “make up for it next month.” But here's the real trick: Calculate how much you can save each month for each goal, and then divide by four, and set it up so those smaller chunks automatically come out of your main checking account WEEKLY, instead of monthly. This way, you don't have to worry about large amounts coming out all at one time, it won't feel like such a hard hit, and you'll barely notice the difference.

Next thing you know, you're actually saving.

And you can feel like a responsible adult who's taking care of BUSINESS.

Turns out, a little really does go a long way.

Apr 16

2019

29 Creative Ways You Can Find Some Extra Money on the Fly, In a Pinch, When You’re Strapped and When You’re All: SOS, Cash Flow Where’d You Go?!

Apr 16, 2019

The other day I urged women: do not let them money shame you. Do not! Even though they’ll try to. Even though, because you’re a woman, you’ll be deemed “delusional” and “scammy” and “self-serving,” the more money you charge—even if it’s the going rate. And yet, when a man charges the same thing, they are […]

In: Money Talk

READ ME >>

Oct 2

2012

Not Making As Much Money As You’d Like? Time to Fix That.

Oct 2, 2012

Money. You have enough, or you don’t. Over the years, I’ve do-si-doed around both sides of that dichotomy. As a pre-teen, my mom and I sometimes had to borrow money to buy a roll of one-ply toilet paper to get us through the weekend. Scott brand. I remember it was Scott, because it was always […]

In: Money Talk

READ ME >>

May 31

2019

How to Be a Bitch About Money: The 8 Money Policies Every Freelancer NEEDS to Avoid Getting Burned Like a Ham Sandwich—Including the Rock-Solid Refund Policy That Slays

May 31, 2019

Eight-thousand dollars. Eight-thousand dollars! EIGHT-THOUSAND DUH-OLLLL-ERS. That’s the (actual) amount of cold, hard cash one designer recently had charged backed by a client—and her credit card company sided with the client. Mother of ouch. More than that, though, this kind of crisis can be absolutely devastating to a freelance business that’s operating paycheck to paycheck, […]

In: Money Talk

READ ME >>

May 7

2013

Are You Making Money or Losing It? Also: Porridge

May 7, 2013

It’s never just about the money coming in; you have to consider the money going out.  When you take on a job, sure, you might earn $5,000. But what’s the cost of earning it?  If you have to forfeit 3 other projects (and your favorite Wednesday night TV show) for a combined total revenue of […]

In: Money Talk

READ ME >>

Jun 9

2015

Making Money is Not as Hard as Most People Make It

Jun 9, 2015

There is a distinct and profound difference between people who make money and people who don’t: the money. Hard, cold, beautiful bendy stacks of cash. I know there are a lot of people that say money is evil and your nostrils will catch on fire if you want anything other than world peace, but usually—and pardon […]

In: Money Talk

READ ME >>

Jan 6

2015

Business Lacking Direction? Start With the Money.

Jan 6, 2015

Imagine you’re seven years old, and you’ve never cooked anything before, so help your Fisher Price kitchenette. But suddenly you’re home alone, and you’re tasked with making yourself a meal. So naturally, you do what any seven year old would do: You get a big pot, and you start putting your favorite things into it. Pepperoni pizza—fucking […]

In: Money Talk

READ ME >>

Nov 6

2019

Percentage Off or Flat Rate? Memorize This Bomb-Ass Trick 🙌

Nov 6, 2019

I hate rules. No swimming after eating. Let him call you. Sorry, our video library can only be watched from within The United States. (Stab. Stab. Stab.) But there is one rule, however, that I think is pretty nifty. It’s called, “The 100 Rule.” And if you’re running a business and intend on running a […]

In: Money Talk

READ ME >>

Jan 23

2014

Hourly or Retainer OR….

Jan 23, 2014

»  Cash flow challenged? »  Do a bunch of work you won’t get paid for until you bill next month? »  Burned in the past by clients who disappear & never actually pay the bill? No, this is actually not the opening to an infomercial, as much as I’d love to show up on my […]

In: Money Talk

READ ME >>

Apr 23

2014

Caution: Stop Masturbating With Your Money.

Apr 23, 2014

Last year I had $224,225.77 in business expenses. That’s a metric fuck ton of cash for a small business to be throwing down, and probably more than my mother ever made in her entire life. And yet, I’ve never been so pleased and here’s why: When you do it right, your expenses aren’t expenses. They’re […]

In: Money Talk

READ ME >>

I'm a Bad Influence on Women

Hey, I’m Ash! Twenty years ago I was a small town girl growing up in a trailer park in rural Pennsylvania. Fifteen years ago, I lost my family and everything I knew right as I became the first to graduate college. Fourteen years ago, I found myself leaving everything behind for a new life in the city where I could be “normal.” Ten years ago I realized normal was the most disappointing thing that ever happened to me. Nine years ago I quit my job in advertising and pursued my dreams as a creative writer. Eight years ago, I built a 6-figure business doing what I love using nothing more than the Internet and my voice. And now, today, I’m the founder of The Middle Finger Project, an irreverent media co. that helps other women find their voice and teaches them to use it to build whatever the f*ck they want to. With a book coming out with Penguin Random House in February 2020 (YASSS, WE’RE A PRODUCT IN TARGET!) I’m proud to be a bad influence on women and guide them into doing something disobediently brave with their life and their career.

Enter your email address and I’ll send you my advice column every week sharing everything I’ve learned—and so much more.

But no serial killers. I promise I won’t send those.

Privacy Policy Info Here