We all love quick ways to save money and sometimes saving money it's much easier than you might think. You just have to put a little effort into it.
"Saving money is easier than you think sometimes. All you need it a little effort."
Below are my top 10 tips that can help you start saving more money today which you can use to jumpstart your savings or debt repayment:
1. Save on grocery shopping
Make sure you aren't hungry and that you go shopping with a specific list this way you'll be less likely to deviate. You should also review everything you plan to buy on your list in advance and also consider generic or store brand for some items. In addition, don't buy to stock up instead just buy what you need for the week this way you'll reduce waste and not end up with food you will never eat.
2. Save on your car insurance
Do you have a good driving record? esurance.com is the easiest way to compare car insurance rates to make sure you are getting the best deal out there. Also if you have never had an accident or gotten and points on your license, it might be worthwhile to contact your car insurance provider to see if you can get a better rate.
3. Save on your cell phone plan
There is always a cell phone deal going on, whether its' more minutes / data for less money a month or a new phone package. Give your cell phone service provider a call and ask. Worst case scenario, threaten to cancel :) There's so much competition out there they might just have a special offer available so they can keep your business.
4. Avoid monthly Bank fees
If you are paying monthly fees to your bank, you need to switch banks immediately! Check out bankrate.com to find out about which banks offer free checking and savings accounts. Credit unions are a great place to bank when it comes to fee free accounts and more personalized customer service.
5. Sell something
De-cluttering is such a good feeling and if you can make money while you are at it why not?
Find out where your local consignments shops are, ask your friends if they are interested in any of your items or set up an online account on a website like tradesy.com, etsy.com or ebay.com.
6. Take a break from shopping for non-essentials
Separate your wants from your needs and put your wants on the back burner. Hit pause on that handbag or shoe purchase for now. You'll be surprised how much money you save by only purchasing the things you really need.
7. Eat In
If you find yourself eating out several times a week cut it down to only once or twice a week. Eating out adds up fast - why not try out one of your cookbooks that have been sitting neglected on your kitchen shelf? Don't own a cookbook? Pinterest and Instagram both have amazing visuals and recipes you can try out.
8. Do your own hair and nails
Instead of going to your hairdressers or to the nail salon every week you can save money but going every two weeks or once a month and do your own hair and nails on your own during that time in between.
9. Stop using your credit cards
Save money on silly interest payments by not spending on your credit cards! Instead focus on paying down debt. Put those credit cards in a spot where you cannot access them easily i.e. in a ziplock bag filled with water that you stick in the freezer.
10. Cancel that gym subscription
Instead of going to the gym work out at home! There are loads of really great at home fitness programs that you can purchase at a fraction of the cost of a gym membership.
Even if you just pick a couple of the above 10 tips, you can still save some money right away, so get started today! What are your favorite ways to save money?
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