14 Ways to Tighten Up Your Budget and Save More
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You may already be on a tight budget and feel like there aren’t any additional areas you could be saving in. You pay your bills, buy only what you need, and still wish you had more money left over. Plus, something always seems to come up that requires money when you’re trying to save. It’s time to get a little more creative in identifying the areas your budget could be tighter. Here are 14 Ways to Tighten Up Your Budget and Save More. The savings may be small, but they add up over time!
First things first, create a budget.
If you don’t know how much you’re earning or how much you’re spending, how can you determine where you can afford to tighten your budget?
Aaron and I are working on a budgeting course. Can’t wait to share!
Switch to a cheaper car insurance.
Have you done your research to make sure you’re getting the best deal? If you are, have you asked your insurance provider if there’s anything you can do to lower your premium? Many insurance providers have opportunities for you to save by complying with their simple requests. Before we got married, Aaron was saving money by having his low beams on at all times. Super easy way to save.
Get rid of unnecessary features on your cell phone plan.
If you only use your phone to text and check Instagram, you can probably get on a cheaper plan. If you’re paying for something like insurance on your device, decide to become a responsible adult and put a cover on your phone instead.
Keep your AC at a warmer temperature at peak times.
If you have a programmable thermostat, you can set it to regulate different temperatures at different times during the day.
Switch to a different internet provider.
Just like with car insurance, have you done your research? If you’re not getting the best deal, it’s time to switch. If you are, call and ask if there are any saving opportunities for being a loyal customer.
Cancel subscriptions you are not using.
Whether it’s Netflix, a gym membership, Amazon Prime, or anything else, if you’re not using it, you shouldn’t be paying for it.
Use your credit card like cash.
If you can’t handle a credit card, get rid of it. If you can, spend it like cash and pay it off in full each month. This doesn’t necessarily trim from your budget, but if you already have a budget created, it will keep you on track with it. Read Credit Cards: Rule or Be Ruled to learn how my husband and I use our favorite credit cards.
Use a credit card that will give you cash back.
You’re already spending your money, so you might as well get paid to do so. Check out How I Get Paid to Spend My Own Money to learn what I’m doing to get cash back constantly.
Stick to your grocery list.
First of all, do you make a grocery list? It’s commonly understood that heading to the grocery store while hungry is unwise, but going without a list is just as bad of an idea. Plan your meals for the week, list the ingredients you will need, and don’t allow yourself to deter from the list unless absolutely necessary (like you forgot to add toothpaste – go ahead and get it).
Eat at home.
Now that you’re meal planning and sticking to your grocery list, eat the food you bought! Plan the times you will eat out (and limit them). Don’t just do it out of compulsion. If you’re not one to plan your meals, now is the time to start. Plan to Plan: Make 2018 Your Year may be helpful as well.
Drink the filtered water. It won’t kill you.
Do you know how much you’re spending on bottled water? However much it may be, you could save that money by investing in a filtering system and reusable bottles. We have this Brita filter in white and reusable bottles like this one.
Consolidate your errands.
If you’re a stay-at-home mom like me, don’t leave the house every single day to run errands. This is a huge waste of gas. Plan one or two days each week that you will run errands on, and take advantage of the times you are already out. Have your spouse grab something on their way home instead of you making the trek out just because.
Switch to a cheaper pet food.
Fluffy will be just fine.
Experiment with some DIY projects.
DIYs can be so helpful in saving money. Check out 290+ DIYs to Slash Your Spending.
What have you tried to tighten up your budget? I hope you can implement a few things from this list and watch your savings grow. Thanks for reading and happy budgeting!
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