This one's an easy money saving tip that will not only save you money but also time and stress. The concept is simple: Instead of planning your meals all willy-nilly, set a specific day to plan your meals and stick to it. For example, each Sunday you could plan your next weeks worth of meals. By doing so, you'll save yourself time & money. Here's how:
This is a basic personal finance tip that is super important. It's also super simple: Whenever you get a paycheck, take a bit off to pay yourself. You can start by taking 10% off, and then you can try taking off more as you get more comfortable with saving. Fun fact: The term “pay yourself first” was coined by George S. Clason, who wrote one of the most popular personal finance books of all time, The Richest Man In Babylon.
The library is full of surprising ways to save money, besides the obvious fact that you can read books for free. Here are some unexpected ways the library can save you money.
You may not be the fixer-upper type but that doesn't mean you can't learn. Luckily with Google and Youtube, it's a lot easier than you might think. You can learn how to fix electronics, repair clothing, and more. If something breaks, look for a quick fix on the web before you toss it.
If your student loan interest rate is anywhere above 6%, you might want to look into refinancing. Otherwise, you could end up paying outrageous amounts of interest, like, over $10,000 worth. If by reading this you've just realized you got a raw deal on your student loan, try refinancing with Credible. They save students an average of $218 a month.
Going out to restaurants to eat is one of my favorite things to do. You get an amazing meal served to you, and you don't have to do any of the work. However, there's a problem with eating out: It fills your belly, but it empties your wallet. That's why I rarely do it. If you want to save some money, try eating out one less time per month. If you're feeling feisty you can try going an entire month without eating out.
If you don't already have a programmable thermostat – get excited – this is an awesome money saving tip that could save you 15% or more on your energy bills. If that doesn't seem like much, think about it this way: Let's say you spend $1,500 a year on gas and electricity. If your programmable thermostat saves you 15%, that's $225 per year in savings!
Working from home isn't possible for everyone, but if you can make it happen, it can equal significant savings. Here are three ways working from home will save you money:
Your birthday is a special day. It's also a day for you to take advantage of freebies! Lot's of companies will give you something for free if it's your birthday, so grab a document that proves it's your birthday, and start getting those freebies! Here are 31 Birthday Freebies.
Not only is water great for your health, it's also great for your wallet. If you're out at a restaurant, avoid the soda or alcoholic beverages and opt-in for a refreshing, money-saving glass of water. Also, if you're drinking water at home, try to avoid those big packs of plastic bottles they sell at grocery stores. They're more expensive and bad for the environment. Instead, buy a nice water filter and use a reusable water bottle.