I get it, saving money can be pretty darn daunting. As in so daunting you put it off. Forever. Don’t do that! It’s easy to just feel so overwhelmed that you never started. Here’s a list of 20 super easy peasy ways to get started saving today! Because it’s always a good day to start getting your financial life back 😉.
The post has affiliate links, I’ll get a small commission and you’ll get my eternal gratitude! It won’t change what you pay! (In fact, if you use my Ebates link you’ll get money too!)
- Never go grocery shopping hungry. Never. Just don’t do it. You’ll end up way over spending.
- Do your own nails. And if you like gel nails, then invest (read: save up!) for a gel nail kit. I bought one from Amazon for about $150 years ago (it’s probably cheaper now). And although it’s a bit of an investment now, it’s much cheaper than going to the nail salon twice a month for $40!
- Meal prep. This is my downfall, but it saves so much money when you know exactly what you need to buy at the grocery store. Plus, you’re able to just get in and get out so you save time too!
- Be willing to buy second hand. This can be difficult for some people, but it’s such an easy way to save! I bought my Coach purse from Ebay for $40 that was originally $450, and yes it’s real! It just had some makeup stains the previous owner didn’t want to take the time to remove.
- Shop eBay at weird times. I got this purse for such a steal because the seller had the auction finishing at 1am. I was lucky enough to be awake when everyone else was asleep!
- $5 savings plan. This just means every time you get a $5 bill, you save it! Couldn’t be much simpler!
- Shop at Costco or Sam’s. I’m bias for Costco, I think they have much better quality items, which is also important when you’re trying to save.
- Buy gift cards from Costco. It’s either for 5 $20 gift cards or 4 $25 gift cards, but either way you usually pay $80 for $100 worth of gift cards! I’ve seen gift cards for: Texas de Brazil, Smashburger, California Pizza Kitchen, Pei Wei, etc… Don’t have a Costco membership? 1) Go get one! Right now! 2) Go to http://www.giftcardmall.com or http://www.giftcardgranny.com! They sell gift cards at a discount, and Gift Card Mall gives you an additional 1% back if you use Ebates!
- Bring your lunch to school or work.
- Don’t buy just because things are “on sale” – make sure it’s actually a good buy! I’m totally guilty of buying some mint chocolate syrup at Target because it had a sale sticker on it, only to realize that the “sale” was 1 cent of the original price! Speaking of which, you know Target’s dollar section? If items don’t sell then it goes to other stores to sell, like Dirt Cheap. THEY have a .25 cent section! That’s right, you can buy FOUR TIMES the amount of items here for $1 at Target! My husband was sups excited when I figured that one out!
- Get a library card. It’s so easy to get lost in the new books at Barnes and Noble, but honestly, what are you going to do with that $15 book after you read it? Your bookshelf is only so big! Instead, rent it from the library! Specifically, rent a Dave Ramsey book 😉
- Save for retirement. Don’t forget your future self with need some cash too! The sooner you start saving the better! I started at 16 and even though I really didn’t appreciate my parents making me back then, I’m happy now, and I bet I’ll be even happier in 40 years!
- Pay off debt. This is a difficult one! If your loans garner interest then the sooner you pay it off the less money you’ll spend overall. Just suck it up, Buttercup, for a better and easier tomorrow!
- Buy quality items. This can be difficult when you’re on a budget, but it’s important. I always buy $10 flats, but when I decided to invest in a $50 pair, the shoes are holding up better and my feet hurt less! Plus, I’m not constantly spending $10 on new shoes.
- Live beneath your means. Yeah, yeah, I know everyone says live within your means, but that’s such a relative term! Live beneath your means and save save save!
- Don’t impulse buy. Make sure whatever you’re buying you’ve researched, talked to experts, looked up on the BBB…ok, you get my point. Don’t impulse buy!
- Get rid of your car note. When my husband and I were forced into buying a car in September 2016 we didn’t have as much time as I would have liked to research what car to buy. When my research time ran out I knew what make and model I wanted. Only problem was that we could only find the supped up version of the car and we wanted the basic (no leather seats, no navigation screen, etc…). We ended up finding the “perfect” car a few towns over and bought it, saving ourselves $2,500! Then we worked and threw as much money as we could at our 5 year loan, and paid it off in about 8 months.
- Cut cable. I say this, but I am counting down the days until I can afford HGTV in my life again haha!
- Find and save loose change. When I was growing up my parents had a huge piggy bank that they’d throw change in. When it was full, which I only remember happening once, we bought it to the bank and turned it into $600 in cash! Seriously, save your pennies!
- Be surrounded by supportive people. This is not a change that’s going to happen overnight, this is a life change! And you’re going to need to surround yourself with people who can support you on this journey!
- As an extra – join Ebates! I know that you’ve heard of this website and if you don’t join…well – what are you waiting for?! I recently went on 2 trips and bought my airport parking online. Using my Ebates I got over $8 back! That’s a free day! If you use my code to sign up you’ll even get a FREE $10 with your first purchase! You’re welcome 😉
- Double bonus – sign up with Airbnb! Click here to learn how I got started with it and made $3,000 in 8 months!
In the end, I think the best piece of advice is to enact impulse saving. Not as much fun as impulse spending, but that’s ok. You just take whatever money you would have impulsively spent on that coffee and save it instead! You were going to lose that money anyways, so isn’t it better that you’re saving it?
We’re in this together, and I’d love to be part of each other’s support systems, so reach out and tell me how I can help you! What are some easy ways you’ve learned to save? Any areas in particular that you’re struggling with?
Photo by Ben Rosett on Unsplash