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8 simple ways to save money

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Money Talk > Personal Finance

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cision
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8 simple ways to save money  Reply with quote  

Use only the ATMs of your bank or credit union. Using the ATM of another financial institution once a week might seem like no big deal, but if it's costing you $3 for each withdrawal, that's more than $150 over the course of a year.

Take advantage of your library. More and more libraries are offering e-books, so you don't even need to visit in person. Many libraries are also part of an intra-library loan system where you can borrow anything you want, but that they don't have, for a minimal shipping charge. Just ask. And some libraries allow you to borrow things like tools and sewing machines.

Create a family spending limit on gifts. Discuss placing spending limits on gifts within your family and/or a system where you only purchase one gift for one person over the holidays. These limits tend to reduce expenditures and be greatly appreciated by family members with less financial flexibility.

Designate one day a week a "no spend day." Reserve one night a week for free family fun. Cook at home, and plan out free activities such as game night, watching a movie, or going to the park.

Commit to eating out one fewer time each month. Save money without sacrificing your lifestyle by taking small steps to reduce your dining budget. Start off with reducing the amount you eat out by just once per month.

Use less water. Install low-flow showerheads and faucet aerators to reduce your water usage and water costs.

Invest in car maintenance. Keeping your car engine tuned and its tires inflated to their proper pressure saves money in the long run. Doing both can save you up to $100 a year in gas.

Calculate purchases by hours worked instead of cost. Take the amount of the item you're considering purchasing and divide it by your hourly wage. If it’s a $50 pair of shoes and you make $10 an hour, ask yourself if those shoes are really worth five long hours of work.
Post Wed Feb 21, 2018 6:33 am
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alexfisher50
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Find free ways to enjoy yourself
Figure out where the biggest parks are in your city and commit to exploring one every weekend of the summer. Borrow books, comics and movies from the library. Dig out your old deck of playing cards and learn some new games. If you’re willing to creative you’re sure to find something fun to do without spending a single dollar.

Learn how to do simple repairs yourself
Spend a few hours on Youtube studying tutorials of how to do simple repairs on your house and car yourself. Even learning how to do basic repairs can save you hundreds of dollars when something breaks down.

Make some extra money
Depending on your skillset and how many commitments you already have taking up your time this may be the easiest item on the list or it may be the most difficult. There are dozens of ways you can make money on the side, from odd jobs to selling your creative work to starting a consulting business. Take some time to list all of your skills and all the potential ways you can use them to make money. You may not want to do any of them, but you may be pleasantly surprised at what you think up.[/b]
Post Sat Feb 24, 2018 11:17 pm
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Barbarita
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I am not agree with many your approaches in the saving money. I do not think it's good to save money with limits on the family gifts. Also many people guess that the decreasing of housing payments is also a way to save money but not me. I think it would be better to continue using the services of cleaning company and spend this time for earning money. For example now I ask this service https://www.xn--flyttstdningistockholm-64b.nu/ to help me by my house and I spend my this time for earning money on cryptocurrency. Going this way I earn much more that I could save.
Post Wed Jan 30, 2019 12:34 am
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Butl
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One cool way to save some money is to buy things online. I like different online stores a lot, and I have just got some Cherokee workwear uniforms much cheaper from one of them. It is really cool, and I recommend that you try it out too, good luck!
Post Mon May 18, 2020 6:26 am
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Darwin2018
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It is best to save on the right, but if you really want something, then you should not save.
Post Wed May 27, 2020 5:40 am
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Darwin2018
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The most ideal thing is when you can afford to arrange a holiday, just set aside one day and do what you have wanted for so long. That is, rent a car, as they do in Dubai https://evolve.ae/brand/rolls-royce , and arrange an unforgettable evening. And then continue to save on everything and live a normal life.
Post Wed May 27, 2020 5:50 am
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mffaisbudgetapp
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8 simple ways to save money  Reply with quote  

Money isn't everything, but it is something very crucial. Whenever a topic about money arises, it is always followed by a discussion about saving. It is incredibly hard to save, despite its importance.

To save money properly, firstly we should track our spending wisely. It will lead to the optimum allocation and reduction in extravagant expenses.

Secondly, we should inculcate the habit of saving some part of our earnings even if it is small. We should establish our saving goals or motivations for putting money aside.

An intellectual person will always separate his needs and wants. Initially, we should spend on our basic needs afterward we should focus on our wants. You should not spend money unless it is required to save money.

While the use of credit cards may make things better now, using them only increases your monthly payments in the future. One should avoid using credit cards.

Give more focus on online payments. Not only would this save you money, but it will also ensure that our settlements are on time.

If you can't save as much as you'd like, you should cut back on non-essential spending like dining out or entertainment. Adopt the various ways to cut costs on your monthly fixed expenses
Setting up automated transfer is the best way to save money since we didn't have to think about it. One should adopt the modern approach of banking.

Lastly, we should spend our extra or unexpected income properly. These incomes can make a notable impact on your savings account.
Post Wed Feb 23, 2022 12:11 pm
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terryneo3
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I agree with some of your points. They are really useful tips.
But I don't think saving money means lowering your standard of living across the board.
Instead, making a better plan for your budget should be better.
For example, when shopping, choose the right time, like a sales event or holiday, and find discounts with the help of some websites like CouponBirds, to get the lowest price.
Summer, of course, is a season to travel. You can travel to places close to your home or tickets-free to help you can save money on gas and tickets.
Cooking at home is certainly a great way to save money, provided you can do it yourself.
Post Fri Aug 12, 2022 9:30 am
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eBod
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Times are tough right now, so it's a good time to tighten the purse strings! I've certainly had to. This has meant sticking to a strict budget. Here are 8 changes I've made:

I write a weekly shopping list
I've stopped buying takeout
I bring a packed lunch to work
I cycle wherever possible
I purchase clothing at thrift stores and making do with what I have
I pay all bills on time and avoiding overdue penalties
I've cancelled my gym membership and run daily instead
I've cut back on streaming services

Hopefully these efforts will help me keep my head above water until these tough economic times are over!
Post Wed Nov 30, 2022 8:24 pm
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nanojib
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Do you think you can save money if you order food delivery vs cooking and shopping for groceries? As for me, I really like the service from https://foxspizzanashville.com/location-hermitage/ which I often use for buying food. I am sure that you will like it too, they offer amazing food at low prices, check it out too, maybe you will like it
Post Mon Apr 24, 2023 8:43 am
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