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You got that paycheck…You want that [insertwanteditemhere].
Okay, maybe that’s not the only reason why you lose that huge chunk of your paycheck. Perhaps, it’s everyday expenses like insurances (a scam in my perspective), groceries, cables, and utilities.
PaychecktoPaycheckLifestyle: “So, you do understand why I can’t save money!”
Me: “Come on…really?”
You can always save money, but there are these other things in your life preventing that from occurring: you.
Here are some tips that can help you stop throwing away money and start saving!
Plastic zip lock bags, paper towels, rubber bands – you use them without thinking much of it.
Here are my tips!
When purchasing the large paper towels – cut it in half!
After using a plastic zip lock bags – wash it!
Rubber bands snapping – re-tie it (if possible)
Hair ties – Put it all in one location
Pens – sometimes the pen didn’t run out of ink, the surface may be an issue. Use a different surface and ensure that the pens aren’t out!
Plastic Water bottles – purchase a re-usable one or re-fill your plastic water bottles. People tell me not to re-use plastic water bottles, but that’s a lie! The FDA does note that reusing plastic water bottles without washing them could harbor some bacteria. Plastics are by nature a sanitary material, but the FDA recommends that you wash the bottle out with hot soapy water between uses.
Rip Clothes – Learn how to sew sweetheart.
There are so much more other methods that I didn’t mention. If you know anymore mini-money savors, comment below!
Believe it or not, not all grocery stores are equal, but they do carry the same products from the same company!
Where do you shop for your groceries?
Now all grocery stores are equal; some are a lot cheaper than others.
If you’re lucky enough to live near a farmer’s market or Trader Joe’s, give the place a shot!
If not, many apps help you save money on groceries.
Here are some:
Currently, I am using Receipt Hog for my receipts to earn money! Also, please don’t forget to grab the free coupon/sales newspaper they provide when entering the grocery stores!
Eat in, not out!
I know, it’s very tempting to drop by In-N-Out (I’m mentioning that because I am craving for it right now) and grab a quick burger, then call it a Friday night – DON’T!
Eating out is one of American’s most significant weakness! Do not fall in line with the majority!
To help with the temptation of eating out, I store my money in an eat-out jar (inputting a lazy $10 per week), and if I have none (which is often), then I don’t eat out. I also purchase a few easy cook meals (usually frozen) for days I don’t want to cook.
Don’t believe me?
Try eating out one time less per week, and you will see the difference!
This one may be a bit shameful, but if your parents cook…then go there. Perhaps, pack to-go.
4. Re-visit the big and little stuff
Always review your contracts yearly. You want to know what you’re using and what you don’t. Plus, it gives you a good time to see what else the market is offering. Don’t wait around until your policy is about to renew before shopping for a new provider. Most times you can change providers at any time and get refunded for a specific amount.
Review – Insurances (car, house, etc.), services (TV, Internet, phone, etc.), subscriptions (apps&everything else)
Nowadays there’s a subscription to everything, and I mean everything!
I can even subscribe to monthly socks!
We’ve all been guilty of forgetting to cancel a subscription or membership we no longer use. It’s easy to cancel most subscriptions and memberships with a few clicks of a button. So make sure you keep track of your monthly subscriptions and memberships and cancel promptly. If they don’t refund – call your bank. Believe it or not, bankers are nice!
5. Pay off your credit card balance each month
This one was a hard one for me notably when I graduated from college. I will describe the interest with one word “Fu-“
Interest rates are generally outrageous and should be avoided at all costs.
PersoninDebt: “How do I do that?”
Pay your credit card balance in full every month — no exceptions.
If you can’t afford it, don’t buy it!
6. Food Waster
It’s funny how so many people (and me) try to save money by shopping sales and clipping coupons, but we end up wasting all the efforts by throwing away the food we don’t eat.
I would purchase all these food, and they end up in the trash.
Please don’t make the same mistakes that I’ve made. Start shopping smarter by planning your meals and track how much money you’re wasting!
7. Cut the cord
How much do you spend on cable?
Chances are, you don’t watch it as often as you think you may.
Try Hulu, Netflix – better yet, jump into someone account! Perhaps, a more well-doing family member.
Please do not allow them to cheat you out of your money! There are always offers, under the table, that you may not know about. I would use the good ole “May I speak to your manager” method. It’s low, but it works!
You don’t have to be a salesman to:
Negotiate! Negotiate! Negotiate!
If you haven’t shopped for a new plan in a year, you should see what kind of offers are available.
I am not talking about the one down south, but the one in your car. There are so many different gas brands and fight me, but they are all the same. Now, to compete, they are offering specific deals if you pump gas at their brand! Check out what they got to offer you with before switching to another location!
Banks are infamous for their crazy fees and all these little fees add up! If your account charges you fees for being a customer, it’s time to start looking for a new bank or credit union.
See what your bank has to offer!
There you go, my ten tips on saving money! Use them wisely! If you got any more tips, make sure to comment below and share your wisdom!