This year, my husband and I have decided that we really need to work on our money saving techniques. We have been able to save our money before, but we always wind up spending it in the end. So here’s how we have always saved money and how we plan to be better at it in the year 2018.
My mom and aunt are coupon queens and they have taught me a few of their frugal ways. Always check the ads for the grocery stores you shop at and build your grocery list around the deals that are running at each store. Clip paper coupons out of your local newspaper and download digital coupons using the store’s app. I know many places like Winn Dixie and Dollar General have this option. Also, use rewards cards at any store you can. Like points at CVS and Walgreens.
Check your bank account and look for any monthly subscriptions you may be paying for but you don’t use the services. Like just the other day I had a charge on my account with no business name next to it, just a phone number. I googled the number and it turned out, I was being charged for a monthly subscription to a magazine I never even got in my mail! One phone call just saved me $15 a month.
If you use a satellite provider, Wifi, or a mobile phone network, you may be paying for services that you really don’t use or need. If you pay for all of the sports channels in your satellite package but don’t know what a 2 point conversion is or what RBI stands for, you’re probably paying for the wrong package. Call your providers and see if there are any deals in your area, or any way you can cut down on the cost of your services like downgrading.
I know you’re not 10 anymore but piggy banks can still be useful in adulthood! If you ever use cash at all for anything in your life, get a piggy bank or a change jar! Put it somewhere that you will see it as soon as you get home. Make a habit of emptying your pockets and putting any and all loose change and small bills in the bank or jar. But also, make yourself pinkie promise not to dip in unless it’s absolutely necessary.
One way to keep yourself from grabbing the change you’ve worked so hard to save is to roll it. You may not want to go out and buy a pack of coin rolls and do it yourself but you can easily go to your bank and ask them for a few rolls of pennies or quarters or whatever you would like to keep. Keep in mind that a roll of pennies is $0.50, a roll of nickels is $2.00, a roll of dimes is $5.00, and a roll of quarters is $10.00. Keep them in a box. Keep them in the rolls or break them out if you want but be sure to keep them until you have reached your goal.
The last tip I have for you is to check your grocery list and your buying habits. Sure its easier to buy frozen french fries, but it’s cheaper to buy a few potatoes and slice them and fry them yourself. You could work on cutting back on buying junk food and those quick fix foods like freezer pizzas, frozen dinners and microwavable snacks and meals. Many of them are just as bad for your health as they are for your budget. Try to cook all of your meals as close to home made as possible.