Everyone loves spending money. From snatching up the newest earbuds, smartphone, or cool makeup to more expensive purchases like cars or other luxury items, throwing money around is like second nature to most of us. Our spending habits may allow us to relish the finer side of life, but what is it doing to our savings account?

Trying to put away money for when times get tough is harder than most people realize. When trying to make smarter financial decisions, it isn’t unusual to search for better monthly payments, lower-cost items, and other ways of improving our credit scores and bank accounts. Let’s take a look at a few ways you can save money on the products you love and start the process of improving your savings account for those rainy days.

Buying a new car doesn’t have to break the bank.

Most families need a vehicle. Whether you use your car for errands or commuting to work, a reliable vehicle is a must-have. Unfortunately, the search for a new or used car can be difficult. Trying to understand the average auto loan interest rate, understanding what’s presented in your credit report, and finding a car dealership with the best deal available is time-consuming and often stressful. Luckily, there are ways to find the right car for your family’s needs.

When trying to save money, taking on a car loan can be an added expense that affects your family budget. If you know how to negotiate when buying a car, you may have a better chance at a good interest rate and lower price. The salesperson is there to work with you. Tell them your situation, have your information ready for sharing, and press them for the best deal possible before you sign on the dotted line.

The smaller things in life can make all the difference.

Saving money on products you often use will leave you feeling a sense of achievement. Searching for the best deals on your daily expenses like groceries, toilet paper, and hygiene products helps keep a steady flow of savings in the bank. It’s important to remember, however, that denying yourself something you truly want isn’t always the best solution.

If looking your best is one of your passions, there’s no need for you to do without the little extras that set your look off. If you’re in the market for magnetic liner lashes that look like your own natural lash, options are available that won’t damage your wallet. You can still buy your lashes, glue, tweezers, makeup, and other fun beauty products by shopping around and finding the best deals for your financial situation.

Keeping the big picture in mind makes planning easier.

Whether you’re putting money away for a retirement nest egg, a new home, or a new vehicle, keeping your eye on the prize is important. Keeping a close eye on your money, no matter the financial institution you use is a great idea when it comes to making the purchases of your dreams. No one can truly save money without understanding all the ins and outs of their bank’s interest rates and other money options available to invest in.

When working toward a down payment or other financing options, being open and honest with your financial institution will help make things easier. If your accountant, banker, or spouse understands your need to save money, the advice they can provide becomes more beneficial. Watching your bottom line, market values, and options will help you know when the time is right to make the big moves.

If you’re ready to save money, doing it on the products you love is the most logical first step. By saving on things you need in your life, you can easily add to your savings portfolio while still enjoying the things that make life better for you and your family.