Life becomes overwhelming with commitments to friends and family, work demands, and devices consuming your attention. On busy days, you feel like a hamster racing in its wheel, wrapped in red tape. You begin to wonder if everything in life comes with a price tag.
Do you have all that you want or need? Do you have “enough”? Modern culture is built on socially persuading everyone to need more
. Once you have a new possession, you must upgrade or update it to keep current, relevant and functional. You spend more to be comfortable, but are you? Have you had enough?
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For your personal sanity, redefine what enough really means to you: financially, physically, emotionally, morally and more. Forget everyone else’s definition of “enough.” You are enough.
Cut the cords and save money by ditching cable and your landline. More people are saving money and streaming TV shows directly from the networks online or subscribing to more affordable services such as Netflix or Hulu.
This is the way to go if you only watch a few shows anyway, or if you want to cut out excessive TV time. Landlines are also becoming increasingly irrelevant as people use cellphones as their main contact. What services aren’t necessary? Reclaim your time and life by cutting the cord.
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Do you know where your food comes from? Does the smell of commercial cleaning products make you recoil? Do you reuse and repurpose, or do items go straight into the trash?
Convenience should make life easier, but you regularly replace products, waste your money, and end up doing damage to the environment and perhaps your own health. Take a moment and look at some of the many ways you can get back to lifestyle basics—by growing your own food and making your own cleaning products, for example. These things don’t take as long as you think, and you’ll feel a sense of fulfillment and true satisfaction providing for your family this way.
Do your possessions possess you? Large homes and lawns need constant upkeep, from cleaning to maintenance. Expensive cars need recurring repairs and often some with too much financial red tape. What possessions are tapping out your financial, physical and emotional resources?
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Trends are constantly shifting and it’s hard to keep up. Following fashion trends can get expensive quickly. Why do you have to replace whole sections of your closet every season or year?
Stop being a slave to fashion. Stick to classic styles, which don’t have a season or need a reason to be worn. Shop for vintage finds in consignment shops or thrift stores. Repurpose items or host a closet exchange with friends. Save money and look fabulous.
The stress of keeping up with due dates adds up. Forgetful moments happen, and late fees and credit dips do, too. Time spent navigating automated systems and getting checks in the mail are more frustrating than they should be.
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Many companies offer savings when you automate your bills, such as on a consistent monthly phone or internet rate. Save money and time by automating your bills.
Bulky, heavy furniture fills up rooms in the house, requires too much cleaning, has limited purpose, and might make you feel claustrophobic. Well-built, multipurpose furniture and items in your home will simplify your space, open up a room, and provide less stress. Relieve your decorating budget, your time, and your sanity, without sacrificing style.
Maintaining simplicity in your life will free up your time and ability to enjoy life more. Live a fulfilling life without filling it with items that hold you back, and save money and your sanity by focusing on simplicity.The key to always having money is learning how to save money. In this article you will learn the top 20 money saving tips that will put money back into your pocket, while increasing your bank account balance. This is a list for some of the best ways to save money.
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There is no magic trick to learning how to save money, because at the end of the day it all boils down to discipline. However, this ain’t your typically boring budget post. Learn
Ways that you can start stacking up your dollars. These simple tips will help you to save some serious cash. This money can be used for emergencies, or to buy something that you really,
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The first money saving tip is to keep track of how much money you spend and where you spend it. To learn how to save money you must get used to recording
If possible, get it down to the last cent. Do this by keeping a record of all your expenses, such as rent/mortgage, utility bills, groceries, dine out, gas, water, personal hygiene, house maintenance, etc. Then total them all up.
Next, do the same thing for your income as well. You should record all the money that you have coming in. This includes any income from your job, side hustles that you may have, or any other sources of money you have coming in. I know this can seem like a tedious process. But to make things easier we have included an expense and income tracker in our Free Printable Budgeting Planner that you can use for this step.
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If you are really serious about learning how to save money, then you should create a budget. This should be a fixed budget for everything you plan to spend money on. To begin only include your fixed expenses. Fixed expenses are your essential bills that stay the same amount every month. They are also usually due around the same time. For example: rent or mortgage, utilities, loans, phone bill, etc.
Outside of your fixed expenses everything else is considered a variable expense. These will be your expenses where the cost varies every month. For example: clothing, groceries, entertainment, house maintenance, personal hygiene, etc.
The usual spending rule is 50-30-20. Fifty percent of your total income should go to your basic needs, thirty percent are for non-essential expenses, and 20 percent should go to your savings account.
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Set a savings goal for a certain amount of money that you would like to save by a certain date. This can be for a big purchase like a down payment on a home or a vacation. It can also be for something smaller like a new purse or laptop. Figure out the amount of money you need and when you want to save it by. For example, I want to save $1, 000 for a weekend vacation in 6 months.Now, figure out how much money you need to save per month to reach your goal. Add this amount to your monthly budget.
If you’re not into using pen and paper, then go digital. There are plenty of budgeting apps that can help guide you through the whole process. Here a few suggestions to get you started. These apps are user-friendly and simply designed:
I will admit that I just started investing. So for me, Acorns is an easy app to use for beginners looking to get their feet wet with investing. Their plans start at just $1 a month. If you are interested in using Acorns, sign up using my link and we both get an extra $5 added to our account. I will share more about my investment journey in another article.
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Another simple money saving tip is to set-up automated transfers from your checking account to your savings account. Almost all banks offer this service. You just need to advise them of when you want the transfer to happen, how much, and which account to transfer the money to.
Once you establish a budget your priority should be to get rid of all debts. This is extremely important because most debt, for example loans, credit cards and car payments all have interest. Interest is the extra fee that your lender charges for loaning you the money. If you are really serious about saving money, then I recommend purchasing this book called The Total Money Makeover. This is the exact book me and my husband followed to get out of over $30, 000 in debt!
Let’s face it, eating out adds up really fast. If you are trying to save money, then you should cook at home as much as possible. Also, try to plan out your meals in advance. Not only will you be saving money, but you will be doing your body a favor by eating healthier. Here is an article to some budget friendly meal prepping ideas to get you started: 30+ Budget Friendly Meal Prep Ideas.
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You know exactly what I’m talking about. Stop wasting money on things that you do not need. Do not buy anything extra that is not within your monthly budget. It takes a lot of self-discipline, but you can do it! Believe in yourself.
If you are a real coffee lover like me then this one will be hard! Skip the coffee shop and start making your coffee at home. Listen, buying coffee everyday really adds up. Let’s
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