Payday is a wondrous day. Every two weeks, a fat wad of cash is deposited into your bank account, bringing with it endless possibilities...
...and it's gone.
Yeah, it feels like there's never enough money to go around. Whether you want to save up to meet a goal, or you just want to stop spending $300 on takeout every month, we've got you.
Electricity bills often seen unfairly high because we're unaware of just how much juice we're using. The power bar for your TV, streaming boxes, and video games is a likely culprit. You can buy specialized power bars that shut off completely when not in use, saving you on your power bill.
Many monthly memberships are paid directly from your bank account, meaning they're easy to forget about. If you're using them, great! But if you're not, it might be time to re-assess why you're paying for spinning classes or Costco memberships when you never go.
For everything from clothes to cars, buying used is a solid way to save money while still getting something that's just as good as new. And if we've learned anything from the internet, upcycling things like clothing doesn't have to be hard — some people make some unbelievable pieces!
Lots of people don't give those weekly grocery store flyers a second look, but they're actually a great guide to meal planning. By planning meals based around heavily-discounted items, you can save a pretty penny in the long run.
There are certain items that you know you'll need and that never go bad. So, when it comes to staples like laundry detergent, soap, paper towels, and toilet paper, why wouldn't you buy in bulk? It's a great way to ensure you're getting the best deal possible.
Smart thermostats like the Nest are all the rage these days, and with good cause: their intuitive interface makes it super easy to save money. After all, do you really need your A/C unit blasting your house with chilled air when you're not even home?
I don't know why more people don't use libraries. Yes, they're free. Yes, they're full of books. But they're also full of ebooks, movies, learning materials, and free wifi. Many of them even take book requests. Did I mention that it's all totally free?
The 30-day rule stipulates that, with any purchase, you must wait 30 days before actually making that purchase. This will give you time to assess whether or not you really need it. This is a fantastic way to cut down on those purchases you later regret.
This is a huge drain on your wallet. For those who don't know how to cook or don't enjoy cooking, it's worth motivating yourself to get started. Weekly menu planning is a great idea — and fun DIYs like this clothespin and washi tape meal planning board from Play. Party. Plan. can help you get started. It takes a li'l work, but it's worth it.
If you must have that daily latte, consider using a travel mug. Many coffee shops, notably Starbucks, give you a discount when using your own mug. Plus, it's way more pleasant to sip out of than a paper cup.
Shopping without a list is a surefire way to spend more money than necessary. If you make a rule to only go shopping when you've got a detailed list, it'll cut down on those frivolous purchases.
You might do this already, but consciously drinking plenty of water is actually a super useful life hack. Not only will it stop you from buying extra drinks, it'll actually help you feel more full — cutting down on the urge for midday snacks. Try this hack from Mariah of Giggles Galore for a custom water bottle that'll encourage you to keep sipping.
Credit cards are a fact of life, so when you're thinking of getting one, think hard. Many cards offer reward programs that give you money back, or discounts on different items. Do your research and find a card that works for your lifestyle.
It's nice to have a well-lit house, buy why are you paying to light up a room you're not even in? Get into the habit of not only turning lights off when you leave the house, but also turning lights off when you leave one room for another.
Plenty of apps offer a helping hand when it comes to budgeting. I use Mint, but there are lots of others as well. They can remind you when bills are due, offer at-a-glance spending patterns, and gently nudge you away from making unnecessary purchases.