Hi, my name is Krystal, I'm a millennial, and last year I was a first-time homebuyer. My fiancé and I decided to take our would-be wedding money and instead, have a nice down payment to purchase a home.

Unfortunately for me, my fiancé had to have "that talk" with me before we purchased a home. The one where he was like, no more spending money. I was told I could only purchase the essential items needed to survive until we closed on our home. Do you know how hard it was to save money and be put on a spending freeze? It was the worst, however, there have been a lot of things that I implemented that I still use today.

I appreciate all the suggestions from friends saying "We did the Dave Ramsey school and it changed our life", however, I don't think all credit cards are the devil. Like 78% of Americans, I too live paycheck to paycheck. I still want to be able to live my life instead of being at home holed up without the ability to do anything.

Here are some things that have helped me save money the past year. Maybe you're making less these days, or maybe you weren't ever taught to save, I never was. I hope these simple things can help you too.

10 Easy Ways to Save Money as a Millennial