Who doesn't love saving money!? I do! When I was younger I managed to get myself into a little bit of debt. Ever since then my goal has been to have as little debt as possible and get that credit score up all while saving as much money as I can!
Here are some ways I like to save money:
Keep track of your spending and make a monthly budget! This is easy! There are numerous apps out there to use for budgeting!
Meal Plan for the week! I used to not meal plan, dinner time would come and I'd get lazy and order take out! Take out adds up! I save so much time and money by meal planning! I also make sure to make lunch for my husband the night before he works. That way he doesn't run out at work and get lunch each day because that adds up too! I also pre-make 2 weeks worth of breakfast sandwiches and store them in the freezer! It's super easy for a grab and go meal! Just heat in microwave and go!
Make a list for the grocery store and only buy what's on that list! Plus you won't end up forgetting something you needed!
Shop at a cheaper grocery store! I cut my grocery bill in half by shopping at Aldi! I used to spend almost $300 a week on groceries! Now I spend about $115 to $150 and that includes diapers!!
Cut or downgrade your Services. For example; Get Internet only with no cable! We have the cheapest plan for internet and then we use streaming services like Netflix and Amazon Prime! We save so much! We also lowered our phone bills by simply calling and asking if there was anything we could do to lower our bill!
Use an Insurance Broker! They do all the work for you. They shop around and find you the cheapest insurance with the coverage you want and need!
Don't open up too many credit cards! My husband and I each have 1 credit card and we only use it for gas or groceries. We make sure to pay it off as soon as possible. The more credit cards you have the more debt you are likely to consume!
Lastly, Separate wants from needs! Everyone wants that name brand purse or big screen tv but do you really need it? This is a hard one for me but I try my best to only buy for my family what we need.
Now this may or may not work for everyone but it works and helps my family save a ton! Hope at least one of my tips will come in handy for you.
留言