Why is spending money so much easier than saving money!?
I’m always trying to come up with ways to save money. Especially this time of year when Christmas is right around the corner.
I came up with a list of 20 things you can do to start saving money today. The best part is they are easy things that everyone can do.
- Stop buying coffee! I know it’s tough, but if you spend $4 per day on coffee you will spend $120 a month. Try making it at home instead.
- Take your lunch to work. If you go out to lunch 5 days a week and spend $10-$15 each day you can save $200-$300. That’s enough money to make a car payment.
- Skip going out to dinner. Even if it’s only once a week you can save over $100 a month.
- Buy meat on sale. Stock up on it and freeze it.
- Stop impulse shopping! Make a list and stick to it.
- Turn down the thermostat by 2 degrees. Check out your heat bill to see what a difference it makes!
- Do your own mani/pedi. That can save you $50 a month.
- Take advantage of the dollar store. You can buy anything from birthday cards and gift wrap to cleaning supplies.
- Check out the thrift store. It’s a great place to find clothing and home goods.
- Put $10 in a piggy bank each week. It’s a small amount of money that you probably won’t miss, then at the end of the year you’ll have $520!
- Shop for a cheaper cell phone plan.
- Shop car insurance rates. There are so many companies out there that want your business.
- Refinance your student loans.
- Use coupons. So many stores have apps that you can download and keep the coupons right on your phone. They make it really easy.
- Take up gardening. You will have free veggies and fruit!
- Stop drinking bottled water and buy a water filter instead. You will save money and help the environment.
- Create a budget. It’s the best way to know where your money is going.
- Skip going out to the movies and rent one to watch at home instead.
- If you have a gym membership that you’re not using cancel it.
- Use cash instead of debit cards. Seeing what you’re spending your money on will help control your spending.