{"id":2938,"date":"2020-07-10T04:53:11","date_gmt":"2020-07-10T03:53:11","guid":{"rendered":"http:\/\/welfare.cmsmasters.net\/?p=2938"},"modified":"2022-05-29T10:51:09","modified_gmt":"2022-05-29T09:51:09","slug":"20-tips-on-how-to-save-money","status":"publish","type":"post","link":"https:\/\/unitedgulfpcu.com\/index.php\/20-tips-on-how-to-save-money\/","title":{"rendered":"20 Tips on How to Save Money"},"content":{"rendered":"
    \n
  1. Say goodbye to debt.<\/strong><\/li>\n<\/ol>\n

    Monthly debt payments are the biggest money suck when it comes to saving. Debt robs you of your income! So, it\u2019s about time you get rid of that debt. The fastest way to pay off debt is with the debt snowball method. This is where you pay off your debts in order from smallest to largest. Sounds kind of intense, right? Don\u2019t worry, it\u2019s more about behavior change than numbers. Once your income is freed up, you can finally use it to make progress toward your savings goals.<\/p>\n

      \n
    1. Cut down on your grocery budget.<\/strong><\/li>\n<\/ol>\n

      Most people\u2014after they do a budget\u2014are shocked to find out how much they\u2019re actually spending at the grocery store each month. And if you\u2019re the average American family of four (with two kids 5 and under), you\u2019re probably spending around $928.1 Yikes! It\u2019s so easy to walk through those aisles, grabbing a bag of Oreos here and a few bags of chips there, and then top it off with the fun goodies at the register. But those little purchases (aka budget busters) add up quite a bit and end up blowing the budget every single month.<\/p>\n

      Save money on groceries by planning out your meals each week and taking a good look at what you already have in your pantry before you head to the store. Because why would you want to buy more of what you already have? And if you really want to stick to your list\u2014leave the kids at home.<\/p>\n

      Want to save money and time? Try online grocery pickup or delivery. Most major grocery stores offer it these days (sometimes even for free), and it can save a ton of money. Picking up your groceries gets rid of the temptation you would\u2019ve had when you caught a whiff of those freshly baked chocolate chip cookies floating through the aisles. In other words, you\u2019re forced to stick to your list and avoid those impulse splurges.<\/p>\n

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      1. Cancel automatic subscriptions and memberships.<\/strong><\/li>\n<\/ol>\n

        Chances are, you\u2019re paying for multiple subscriptions like Netflix, Hulu, Spotify, gym memberships, trendy subscription boxes and Amazon Prime. It\u2019s time to cancel any subscriptions you don\u2019t use on the regular. And make sure that you turn off auto-renew when you make a purchase. If you cancel it and decide you can\u2019t go without it, subscribe again\u2014but only if it fits into your new and improved budget.<\/p>\n

        And for those subscriptions, you do want to keep around, think about sharing memberships with some family or friends. A lot of streaming services, like Netflix and Hulu, let you watch your favorite shows from two or more screens (with an upgraded account). That way, everyone wins\u2014and saves!<\/p>\n

          \n
        1. Buy generic.<\/strong><\/li>\n<\/ol>\n

          Hands down, one of the easiest ways to save money is to give name brands the boot. In most cases, the only thing that\u2019s better about brand-name products is the marketing. I mean, look at that box! The logo is so fancy! And that\u2019s about where it ends. Generic brands of medicine, staple food items (like rice and beans), cleaning supplies and paper products cost far less than their marked-up brand-name friends\u2014and they work just as well too.<\/p>\n

            \n
          1. Cut ties with cable.<\/strong><\/li>\n<\/ol>\n

            It\u2019s no secret that cable prices are rising like crazy. The average monthly price for cable TV is about $217 a month including all the fees\u2014which adds up to over $2,600 a year!2 Here\u2019s the good news: Cable isn\u2019t the only way to watch your favorite shows these days. Cut the cord and find out how to save big with alternatives to cable like network apps and streaming services.<\/p>\n

            But remember\u2014don\u2019t go subscription service happy here. Only sign up for the streaming services you\u2019ll actually use. If you sign up for everything out there, you could end up actually spending more than cable!<\/p>\n

              \n
            1. Save money automatically.<\/strong><\/li>\n<\/ol>\n

              Did you know that you can save money without thinking about it? Yup\u2014you can set up your bank account to automatically transfer funds from your checking account into a savings account every month. If that sounds scary to you, you can also set up your direct deposit to automatically transfer 10% of each paycheck into your savings account. Boom!<\/p>\n

                \n
              1. Spend extra or unexpected income wisely.<\/strong><\/li>\n<\/ol>\n

                When you get a nice work bonus (way to go!), inheritance or tax refund (or random stimulus!), put it to good use. And when we say \u201cgood use,\u201d we aren\u2019t talking about adding that fancy new stamp to your stamp collection or even just putting it in the bank to camp out.<\/p>\n

                If you\u2019ve still got debt in your life, you\u2019ll be better off using those funds to pay off your student loans or the balance on your credit card instead of stashing that money away. If you\u2019re debt-free, use those extra dollars to build up your emergency fund\u2014you know, for emergencies.<\/p>\n

                Bonus tip: If you get large tax refunds every year, it\u2019s time to adjust the withholding on your paycheck so you can bring home even more money each month. Plus, you don\u2019t want to give the government any more of your money than you have to, right?<\/p>\n

                  \n
                1. Reduce energy costs.<\/strong><\/li>\n<\/ol>\n

                  Did you know that you can save money on your electric bill just by making a few tweaks to your home? Start with some simple things like taking shorter showers (nope, we didn\u2019t say fewer), fixing leaky pipes, washing your clothes in cold tap water, and installing dimmer switches and LED lightbulbs.<\/p>\n

                  While new, energy-efficient appliances are a great way to save money on your electric bill, they\u2019re expensive! But if you work it into your monthly budget, you can save up and pay cash for those improvements over time.<\/p>\n

                    \n
                  1. Unsubscribe from emails.<\/strong><\/li>\n<\/ol>\n

                    Email marketers are really good at what they do. They know the irresistible temptation of a 24-hour sale or exclusive coupon. And talk about those flashy GIFs!<\/p>\n

                    If you just can\u2019t resist shopping when you see a special offer, click the unsubscribe link at the bottom of the email. Do it! You\u2019ll be less tempted to spend, and your inbox will be a lot less cluttered. It\u2019s a win-win!<\/p>\n

                      \n
                    1. Check your insurance rates.<\/strong><\/li>\n<\/ol>\n

                      No, really. Did you know people save an average of $700 when they have an Endorsed Local Provider (ELP) check their insurance rates for them? $700! You owe it to yourself to at least have them look things over for you and see what savings they can dig up.<\/p>\n

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                      1. Pack lunch (and eat at home).<\/strong><\/li>\n<\/ol>\n

                        Get this\u2014the average household spends about $3,526 on food outside of the home each year.3 That\u2019s $294 per month! Buying lunch a few times a week may seem harmless in the moment (especially when your favorite restaurant is walking distance from your office), but you can save quite a bit of money just by packing a lunch.<\/p>\n

                        Not only that but a lot of times you can buy a solid week\u2019s worth of groceries for the same price as two dinner meals out. Instead, prepare your food at home and watch your savings pile up month after month.<\/p>\n

                          \n
                        1. Ask about discounts (and pay in cash).<\/strong><\/li>\n<\/ol>\n

                          You never know until you ask\u2014and you should always ask. Next time you\u2019re getting tickets at a movie theater, museum or sporting event, check to see if they have any special discounts for seniors, students, teachers, military or AAA members. If not, never underestimate the negotiating power of cash!<\/p>\n

                            \n
                          1. Take advantage of your retirement savings plan.<\/strong><\/li>\n<\/ol>\n

                            If your employer offers a 401(k) match and you aren\u2019t taking full advantage of it, you\u2019re missing out big time! Talk to your HR department to set up an account. But remember, you should wait until you\u2019re completely debt-free (except your mortgage) and have a fully funded emergency fund of three to six months before you start saving and investing for retirement.<\/p>\n

                              \n
                            1. Lower your cell phone bill.<\/strong><\/li>\n<\/ol>\n

                              If your monthly cell phone bill competes with your monthly grocery budget, it\u2019s time to find ways to cut back. Save money on your cell service by getting rid of extras like costly data plans, phone insurance and useless warranties. And don\u2019t be afraid to haggle with or completely switch your provider! It might require a little persistence and research, but the savings are worth it.<\/p>\n

                                \n
                              1. Try a spending freeze.<\/strong><\/li>\n<\/ol>\n

                                Don\u2019t buy any nonessential items for a week\u2014or even a month! Think about it as a contentment challenge. While you\u2019re at it, take inventory of what you\u2019re grateful for each day. This should help kick your \u201cwant-itis\u201d in the pants!<\/p>\n

                                Make your spending freeze work by prepping meals with the food you already have, avoiding stores where you tend to impulse buy (did someone say Target dollar spot?), and saying no to anything that isn\u2019t a basic necessity.<\/p>\n

                                  \n
                                1. DIY . . . everything!<\/strong><\/li>\n<\/ol>\n

                                  Before you shell out the cash to pay for a new backsplash, fancy light fixture or bench, think about doing it yourself! Usually, the cost of materials and a simple Google or YouTube search will save you a ton of money on your latest home project. Plus, you won\u2019t have to pay someone to do something you can most likely do yourself. But if you\u2019re the type that can\u2019t seem to hit the nail on the head, you might want to ask a friend or neighbor for help so you don\u2019t have to spend money on new drywall.<\/p>\n

                                  Oh, and when you need to do some DIY work (or any kind of work), borrow what you need from a friend or neighbor instead of going out and buying it.<\/p>\n

                                    \n
                                  1. Skip the coffee shop.<\/strong><\/li>\n<\/ol>\n

                                    Ouch. This one is painful\u2014we get it! But instead of spending $5 on that daily latte, you can save money by just making your coffee at home. Listen, we\u2019re not saying you should only drink instant coffee (unless you\u2019re into that sort of thing). But even purchasing a bag of local beans from your neighborhood coffee shop and brewing it at home will save you a lot of money in the long run.<\/p>\n

                                      \n
                                    1. The library is your friend.<\/strong><\/li>\n<\/ol>\n

                                      Before you click \u201cadd to cart\u201d on that brand-new book, check your local library to see if you can borrow it! Most libraries also have audiobooks and digital copies of your favorite books for rent. It\u2019s an easy way to get your reading in without breaking the bank.<\/p>\n

                                      We get it, though\u2014because we love reading too! In our National Study of Millionaires, 81% of millionaires surveyed read 11 or more books per year. Like Dave Ramsey always says, \u201cReaders are leaders.\u201d<\/p>\n

                                      Bonus tip: Check sites like Alibris and Thrift books for major deals on like-new or even well-loved books . . . for next to nothing!<\/p>\n

                                        \n
                                      1. Use cash back apps and coupons.<\/strong><\/li>\n<\/ol>\n

                                        Nothing beats a good, old-fashioned 20% off coupon when you\u2019re buying something. But did you know there are plenty of cash back apps out there to help your savings go even further? Check out Ibotta, Rakuten and Honey (a browser extension).<\/p>\n

                                          \n
                                        1. Sell everything (that doesn\u2019t bring you joy).<\/strong><\/li>\n<\/ol>\n

                                          Marie Kondo has the right idea. Declutter the things in your home that you don\u2019t need and are willing to let go of for the sake of your financial future. That vintage chair your aunt gave you? Sell it. That crystal vase you found at an antique shop? Sell it. You\u2019d be surprised at how much clutter you have in your home (that you don\u2019t even use or think about). And the cash you can make on those things can be the difference between living paycheck to paycheck or not.<\/p>\n

                                            \n
                                          1. Open a Savings Account with us.<\/strong><\/li>\n<\/ol>\n

                                            This will enable you save more money!<\/p>\n","protected":false},"excerpt":{"rendered":"

                                            Save money on groceries by planning out your meals each week and taking a good look at what you already have in your pantry before you head to the store….<\/p>\n","protected":false},"author":1,"featured_media":14833,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"image","meta":{"footnotes":""},"categories":[69],"tags":[],"class_list":["post-2938","post","type-post","status-publish","format-image","has-post-thumbnail","hentry","category-information","post_format-post-format-image"],"yoast_head":"\n20 Tips on How to Save Money - United Gulf Partnership Credit\u00a0Union<\/title>\n<meta name=\"description\" content=\"Did you know that you can save money without thinking about it? 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