No matter what your financial situation is, it is always a great idea to know how to save some money aside for a rainy day. It is especially difficult when you are piled with bills and trying to keep up with the cost of living. Remember back when you were a kid and wished you could grow up quickly? Well, now I am looking back and miss the days when I didn’t have any responsibilities. Don’t get me wrong. Being an adult is wonderful, but it’s not always easy. Making small changes in your life can really help you cut back and save, which will add up in the long run. I have compiled a list of ways to help save money and hope you find them helpful!
1. Bring your lunch to work.
We all know that eating out is expensive. I always enjoy packing lunch for work. I like having leftovers and nothing beats a good home cooked meal. I’ve worked with people that buy lunch every single day and I feel that it’s the fastest way to burn your wallet. I understand that most of us are too tired to cook when we get home from a long day of work but it’s best to plan ahead. Spend your Sunday meal planning for the week or invest in a slow cooker so that your dinner is ready when you walk through your door.
2. Keep track of what foods you throw away.
Ok, I will be the first to admit that I have wasted food. Sometimes I like to overload my shopping cart at the grocery store and have a fridge full of food but it ends up spoiling because I’m unable to eat it before it goes bad. Once you start tracking what you’ve been throwing away, you’ll notice a pattern and will learn to buy less items during your next trip to the store or purchase smaller portions. You can also freeze your food if you know you won’t be eating it soon.
3. Buy generic brands.
You don’t always have to purchase the most popular brands. There are many generic brands that are just as great. I have bought generic household items and food brands and feel that they are comparable to well known brands.
4. Check out free or inexpensive events in your town.
Going out doesn’t always mean you have to spend money. I like to do a quick Google search to find out what free events are happening in my city and often times I will find a free show or event to go to.
5. Utilize discount codes when shopping online.
Like most people, I do a lot of shopping online. It’s easy and convenient but can sometimes be dangerous and cause you to overspend since everything is just a click away. I am subscribed to some of my favorite online stores and only make a purchase when I receive a discount code in my email. This can help me save between 20-30% off original prices and doesn’t make a huge dent in my pocket.
6. Research banks and credit unions that give back.
Smaller banks and credit unions may pay higher interest rates and waive ATM and overdraft fees. Find one that can benefit you and add some extra change to your bank account.
7. Watch workout videos online.
Gym memberships can be expensive and sometimes it’s not always possible to make it there. There are TONS of free workout videos on youtube! Some of my favorite channels are Blogilates and Tone It Up. You can simply workout in the comfort of your own home!
8. Become an expert in DIY projects.
Pinterest is one of my favorite websites when it comes to finding DIY ideas. I have used it for wedding planning and home DIY projects. Not only is it fun but it can help you save a lot of money in the long run.
9. Shop at discount stores.
I love shopping at places like TJ Maxx and Home Goods because they have so many great deals! Sometimes they can be hit or miss but I have found some great gems there that look like they were purchased for way more than you paid for. These places are especially great for home and kitchenware.
10. Join store rewards programs.
Most grocery stores have a free rewards program that are quick and easy to sign up for. Your savings for each shopping trip may be only a few dollars but those savings will add up by the end of the year.
What tips do you have to save money?