Let’s face it: we don’t all have a million bucks in the bank (however much we might dream of it), and sometimes it’s hard to save money each month. Whether your goal is to save up for a special vacation or to get out of debt, here are five real money saving tips and ideas to help you save money…and keep it!

1. Make savings automatic

One of the best money saving tips is to set up your accounts to automatically deduct a set amount of money from your paycheck and deposit it in a savings account. This way, the money is out of sight and out of mind, and you’ll quickly get used to not having it to spend. Instead of accidentally spending it, your savings are automatically removed before you get tempted to spend them.

2. Review your expenses

Take a look at your bank statements and analyze your monthly expenses. Are there any items you can do without? Can you set a budget for eating out? Do you really need that cable TV package with all those channels you never watch? Are you still subscribed to all these online services that you don’t really need? Take stock of everything and make sure these are expenses that are truly still worth paying for.

3. Consider using a debit card

One of the best money saving tips is to forego credit cards entirely and using a debit card to gain better visibility over your finances and ensure that you don’t go over set spending limits. Debit cards offer the convenience of credit cards without the temptation to spend more than you have. If you’re the type who tends to max out your credit card, a debit card is definitely better for you.

4. Pay your bills on time

Don’t let your bills pile up and accrue. Leaving everything at the last minute makes you more vulnerable to late fees, which can add up quickly. Make paying your bills on time, if not early a priority. Often, if you make a habit of paying early, you also get a lot of incentives. You’ll save money and improve your credit score at the same time.

5. Invest in a programmable thermostat

Turning down the heat or air conditioning when you’re not home can save you a lot of money on your energy bills each month. One great money saving tip is to use a programmable thermostat to automatically lower the temperature when you leave the house and raise it again when you return.While it may seem simple and obvious, these tips are actually incredibly helpful. Follow them for a month or so and you will start to see your account balance grow in no time. If you have any of your own money saving tips, feel free to share in the comments below.