Everyone wants to save money. I mean everyone. Why wouldn't you? Money is good. More is better. Now I bet a lot of you here are either 1. living paycheck to paycheck or 2. spend more than you realize.
Either way, these 5 simple tips that I learned, will work for just about anyone.
1. Find deals that actually save you money at the grocery store.
There are a million deals at every grocery store that make it appear like you're saving money, when you actually are not. Buying in bulk is not always the answer, especially if you don't normally buy those items. I recommend reading the "deal" and determine how much you would normally spend, and how much you are about to spend. If it's cheaper, then go for it. If not, maybe not this time. But again, don't buy in bulk unless you normally do. It won't save as much as you think.
(personally, I swear by ALDI. It's an insanely low-priced grocery market, that has the monthly necessities. I recommend checking it out if you have one in your area. Even if it doesn't have everything, you can save a lot buy buying some things there instead.) check to see if it's near you.
2. Create a monthly budget every month.
Write down your monthly income at the top, then every expense you have. Write it down, and how much it costs. For expenses such as new clothes or entertainment, think about if you need those things, or put a limit on yourself. For example, on my budget, I put $30 to spend on entertainment/month. Now you may have a different lifestyle, or a bigger family than I have. However, write down a limit, and stick to it. It will keep you organized and likely to not overspend.
3. Do not be too strict.
It's tempting to say that you won't spend anything extra each month and restrict yourself from any fun, or goodies. However, when you do that you're prone to splurge more. That will cost you more money in the long run. It's okay to go out to eat or order in. It's okay to buy that pair of shoes. Just don't eat out as often. And don't buy two or three cute pairs of shoes. Catch what I'm saying?
4. If you use cash, put all of your change in a jar.
It seriously adds up. I always do this, and each month I cash in the coins I've collected, and I had $20 once. Just from change! It doesn't sound like a lot, but it can and will make a difference.
5. Put aside a set amount of money each month in your savings.
Whether it's $5 or $100 each month, any amount will add up and make a difference. Get it out of sight, out of mind. If you don't see it, you'll think you don't have it. Therefore, you won't spend it. Also, if you come across an emergency, you'll have something if you need it. Instead of freaking out, because you don't have any money.
Follow those simple steps and you'll see a difference. I live by those steps, and I'm able to save money each month. (And I don't make that much) Taking small steps, will lead to bigger results.
If you have any tips you live by, please feel free to share. I'd love to hear what others are doing as well! I'm always looking for new ways to save money.
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