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There’s a common misconception that in order to save money, you need to sacrifice your lifestyle. You need to eat boring food, live in a tiny apartment, drive an old car, and not go out with friends. But this is not true! You can enjoy the same things you are now while still saving money. There are lots of ways to save money that don’t involve cutting out any of the things you love. Money can be a tight commodity for most of us. It feels like there are constantly new expenses popping up left and right. Between utilities, car repairs, groceries, gas, rent/mortgage, tuition, cell phone plans… the list goes on and on. Luckily there are plenty of simple tricks and tips you can use to cut back on your spending without sacrificing your quality of life in the process.
Make a Shopping list before you go to a store
A little work before you go to the grocery store can go a long way toward helping you save money on groceries
Before you go to the store, make a shopping list of everything you need. This way you’re not randomly deciding you need 10 jars of pickles while you’re in the store and impulsively buying things you don’t really need. This will also help you avoid buying food/drink items that are on sale but that you weren’t planning on buying. A lot of times we see something we want to buy, decide against it, but then forget about it later. Then we impulsively buy it again because we don’t remember that we already own it! Making a shopping list will help you avoid this.
You can check out an app called Flipp that pulls in coupons from local stores when you enter your ZIP code. That way, you can shop sales without sorting through the newspaper. If you shop for groceries at a large retailer like Target, Amazon or Walmart, you can often find additional savings by downloading the store’s app. How to get coupons and join loyalty programs to maximize your savings as you shop. In exchange for sharing your phone number or email address, your local store’s loyalty program might offer additional discounts.
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Use cash only and track all your expenses
If you can, try to only use cash for all your purchases. If you use a debit/credit card, you are less likely to track your spending and you’ll spend more money but with cash, it’s easier to track how you are spending money. When you use cash for purchases, you are forced to consider where that money is coming from. Once you run out of cash, you won’t be able to buy anything else. This will force you to only buy things you really need and will help you avoid overspending. To make it easier to track your expenses, try using an app like Mint. Mint will help you track all your expenses, create a budget, and even monitor your credit score.
Consolidate your bills:If you have multiple bills that you pay one time per month, you could try to consolidate them into one bill. Some common bills you can consolidate are internet, cable, cell phone, car insurance, and electricity. With most of these bills, you can call and request a lower rate. If you’ve been a longtime customer, they will often offer you a lower rate because they would rather keep you as a customer than lose you to competition. If you’ve never called and asked for a lower rate before, it might be worth your time to try. You could potentially save hundreds of dollars a year by consolidating your bills into one lower rate.
Get rid of services you don’t use
Do you have things like gym memberships, health tracking devices, or delivery apps that are of no importance to you.
To determine if you should cancel a membership or subscription ask yourself if you can do without it or get a cheaper alternative. So, you might be wasting money by keeping these services/subscriptions. If you’re not using something, get rid of it. There is no need to keep paying for services you don’t use.
If you have any subscriptions or memberships that you aren’t using enough to justify the monthly expense anymore, cancel them!
If you aren’t reading all of the magazines you get in the mail or using the online software that you’re paying for, you’re losing money. Cancel any unused subscriptions, streaming services and memberships that aren’t worth it to you anymore.
Shop for home, food, and hygiene products in bulk
Buying food and household products are the most common way of saving money and even time.
If you’re buying things like toilet paper, paper towels, cleaning supplies, or other hygiene products, try shopping in bulk as it saves you from unnecessary purchasing of products and save you a lot of money as well. Municipal warehouses often sell bulk hygiene products and other household goods at a discount. You can also buy things like food, toiletries, and vitamins/supplements in bulk at places like Costco or Sam’s Club. Just make sure you have somewhere to store all of it!
Don’t buy new unless it’s on sale:New things are expensive and don’t last as long as used things. If you’re in the market for something like a car, home appliances, or furniture, wait until it goes on sale. You can often buy used versions of these things from sites like Craigslist or from your friends/family. If you need a new item, wait until it goes on sale before buying it. If you can hold out until then, you’ll get the item for a lower price.
Go to the library instead of buying books/music
The library is a great place to get books, movies, and music for free! If you’re looking to read more, you can sign up for a library card and read as many books as you want without paying a cent. If you like to consume media, you can sign up for a library card and browse their digital media options. You can also borrow musical instruments from the library if you’re a musician. You can also try getting books from sellers like Book Outlet or Thrift Books. You can get extremely cheap books if you decide to buy them used on sites like these.
Conclusion:
Saving money doesn’t have to be difficult. All you have to do is make a few small changes to your daily routine and you’ll be well on your way to saving money without even noticing the change! If you’d like to grow your savings even faster, you might want to consider investing your money. That way, it can potentially earn you more money while you’re saving it!
Have you ever saved from your income before ? If you have not, well it is never too late to start now and if you have been economical with your money in boring ways I believe this post will change your saving lifestyle FOREVER
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