Here are 9 painless ways to save money or pay off debt. They just require a little bit of mental energy. I promise, you’ll be surprised at how much you can save or pay off quickly and some of you can see results as soon as your next paycheck. 1. You set a budget for X amount of dollars… When you come in under budget for the month, what happens to the difference? Usually, you just absorb it into your budget. Now what would happen if you were to transfer the difference to savings (or the…