In a world of instant gratification, it can be difficult to stay focused on your financials and making sure you stay on track. With that being said, saving money any way you can is essential. You need to stay on top of your spending habits and cut down on your expenses in order to be financially fit.
Carrying snacks with you has two great benefits. One, you will not be tempted to eat an unhealthy quick snack and second, you will save money. Here are some great ideas for portable snacks you can store at work or in your car.
Coupons are more accessible than ever. There are tons of coupon websites as well as coupon apps to help you save money. All it takes is for you to use them. It really is one of the easiest ways to save money today, yet many people don't take out the time.
Cash-back sites are a plenty and are a great way to save you money from stores you are already purchasing from. ShopAtHome has no cost to join and you can earn over 50% back on whatever you buy. There are additional websites like Swagbucks where they may give back upwards of 20%. There are also a number of great cash back apps that will get you saving money in no time.
Trying to avoid instant gratification is one of the essential rules of personal finance. You should try and wait at least 30 days before making a decision on a purchase. Many times, after an extended period like this, the urge to purchase those fantastic shoes has passed. The upside is you now have some extra in your savings.
This one is so true. If you go to the supermarket without a list in hand, you are bound to spend more money than you planned. You end up buying things that may go to waste as well as buy items that are not as healthful. It is also smart not to go on an empty stomach.
We all know how expensive it is to eat out these days. Include cocktails in that mix and you have blown your budget for the month for sure. Next time you get the urge to go out, think about entertaining friends in your home. Collaborate on fun food options as well as entertainment and you will come to the realization that you don't need a night out on the town to have a good time.
When kids are young, it really does not require much to entertain them. Play ball, go to the park, plant a garden. What children want most is their parents attention and time. You will no doubt see the benefits in your savings but also your heart.
If you have been making timely payments on your credit card debt, give them a call and try to get your interest rate lowered. You can also do a balance transfer to one of the many no interest credit cards. If you are not getting anywhere with getting your rate lowered, use the balance transfer as a bargaining chip.
It is easy to forget about some of those monthly charges we pay for things like the gym or any other club membership. If you find you are not using your membership enough to get your money's worth, you should cancel. You can always renew later on if you find you want to join again. You can now put that money into your savings and watch the amount grow.
When you have your credit card number saved on any online shopping accounts, it makes it very easy to make purchases. Make it a little harder for yourself by deleting those card numbers. You will then have to take the time to get out that card. While doing this, you may come to realize you may not need that item after all.
After every holiday, all the decorations are highly discounted. This is a great time to stock up for the next year. Everything from Halloween, Christmas, Easter, Thanksgiving and more. Just think of all the savings you will get. With all that saved money, you can start a gift fund for the next big holiday.
This is a great way to keep you focused and encouraged. Create some sort of progress bar that lists out your debt amount. Each time you make a payment, you move your bar a little closer to your end goal. Keep this somewhere where you will see it everyday and make a commitment to update it regularly. Having this as a daily reminder will keep your eye on the prize and your motivation going.
Using a crock pot is one of the easiest ways to save money on your grocery bill. Aside from how simple it is to use, whatever you make will stretch out over more than one meal. That means leftovers and even more saved time and money.
Maintaining your home and vehicle is key to ensuring you don't run into major problems down the road. Whether it is checking exposed wood for insects, looking for foundation cracks, replacing car filters or checking tire pressure, you need to take that hour or two each month. You will catch the issues early and save yourself money over time.
Certain items that you use a lot of should be bought in bulk. Everything from laundry detergent to paper towels can be bought in large quantities and you will find it cuts down on the cost per use and you will end up saving a nice amount.