When money seems tight or you probably have inevitable months you tend to over-spend, it would seem like the easy solution to dip into your savings account to put your budget back into order. but you'll find out that doing these frequently, your savings account is not actually growing.

Having to "dip" into your savings account monthly, only means you are having issues keeping your budget or otherwise planning. So having this as the case, we've outlined some possible ways "how to stop dipping into your savings" each month, and start building savings instead.


SET UP AN EMERGENCY FUND
Sounds weird? yeah it does, but, if you have a separate emergency fund to handle unexpected expenses, then you'll no longer need to pester your savings account to cover sudden spending like medical bills.

PROTECT YOUR SAVINGS
Many people put money money into savings every month (ME), and some end up dipping back into that money to cover bills or maybe spend for a date or something else. Its actually frustrating to see your savings not growing, even when you think you're putting money here each month. You need to figure out the reason by growing, even when you think you're putting money here each month. You need to figure out the reason by which your savings isn't growing, and do what you can by all means to protect the money you've got in your account.

ADJUST YOUR BUDGET
You're consistently dipping into your savings? this is a sign that there is definitely something wrong with your budget. You could find out that you need to adjust your spending in your grocery aspect or other means to cover increasing costs in utility bills.

SOURCING ADDITIONAL INCOME
May be you are not making enough to cover your expenses each month. If you are the type that "dips in" to cover basic expenses each month and not to cover emergencies, you'll need to find an additional source of income or look for a new job.

Other ways include;
Swich to cash only
Stick to your budget
Cut other expenses

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