How To, Live Debt Free

6 Little Known Ways to Save Money- That will change your life

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Have you sat down and looked at your spending habits? You know that moment where you decide something has GOT TO STOP. How can you possibly save money when you don’t have money?  You print out your bank account statement for the month or pull it up on your phone and compare it to your pay stubs.6 little known ways to save money that will change your life

It’s all adding up alright, but yet you’re left with a measly $25 at the end of it all.

You can’t possibly be working this hard for so little?!

What are your options?

If you can’t increase your income- i.e. get a second job, get a higher paying job then what other choice do you have?

Instead of thinking about how you can squeeze in some part time work or get on the blogging bandwagon, look at ways you can decrease where you are spending money.

That raise you were hoping for may just come early when you apply these 6 Little Known Ways to Save Money.


6 Little Known Ways to Save Money- That will change your life

Switch to a PrePaid Cell Phone Service

These are typically half the cost of the big names like Sprint and Verizon. Sure they will sell you an offer that makes you feel you will be spending less by gaining more but you are smarter than that.

You want the extra money each month. Do you really need all the bonus features that come with a higher bill?  We have gone with Straight Talk for just about 4 years now.  They even have iPhones! I have NEVER had a problem.

The phones are the same.  The service uses Verizon towers and I pay $45 a month for unlimited everything.  You can renew these payments all online so you do not have to go to the store every month. If you have a wireless modem always have your phone use your own WiFi to use less of your data plan.

6 Little Known Ways to Save Money- That will change your life

Get Rid of Cable

Yep. Don’t try to let them convince you again that you can get a package deal. Who likes watching T.V. now with commercials?!   I LOVE Netflix and Hulu. They are the type of programs where you are streaming your shows for $7.99 a month.  Hulu is great because you get to watch T.V. shows the day after they air on the networks. The only downside is they do break for very quick commercials. You can upgrade your HULU account for commercial free.

*Right now you can score a Hulu Subscription for $8 with Swagbucks! ( sign up for Free) Or Start 2-week free trial here.

Netflix is rocking it right now with offering their Netflix exclusive shows like Fuller House that are released a whole season at a time! This is the way of the future as many of these networks have their own exclusive shows. I highly suggest Amazon Prime- it works out to $7.99/month and you do not just get to watch T.V. shows and movies you also get 2 free day shipping and deals just for Prime Members! Try Amazon Prime 30-Day Free Trial.

6 Little Known Ways to Save Money- That will change your life

Downgrade Your Internet Service

FOR REAL. It’s been two years now that we have had the $14.99 every day low price internet from Time Warner Cable.  When I called Time Warner I was told I would not be able to watch Netflix from it and that it’s mostly for surfing the web.  But I am here to tell you my girls watch cartoons in the morning on Netflix, I blog, use my phone for social media interacting all off the same service. It works FINE!

I did discover that a quality wireless router is what makes the difference. If your Netflix, Hulu, or Amazon account gives you that dreaded circle try restarting your router. Most of the time that does the trick not your internet connection.  With tax we pay a whopping $21 a month! Be smart and save money by knowing what you spend money on.


Cut Your Grocery Bill in Half

Say what?! Yes seriously. Groceries are a category that everyone can decrease right away in their budget- if you feel the need is enough. We have endless options of food and you can get them for less.  I highly recommend checking out my Feed Your family for less posts to see how you can get groceries for $40 or less a week and the meals you can make from that.

The Weekly Store Coupon matchups are the BEST way to save money and make your life easier. Couponing will save you cash. When you play the game right. If you are saying you do not have time to play the game you are fooling yourself that money will just appear.  You are being given an option to truly save cash and still eat well. What are you waiting for? 

If you are saying that the things you can get with coupons just doesn’t fit your lifestyle- that may be true but remember that this is just a season of your life. You won’t be living like this forever especially when you start to implement these tips into your home.

You will be sharing your hauls in our FB group in no time. I believe in you.

Stop Eating Out

Look at a number of times you eat out during a week, a month, a year. Take your average restaurant bill and really look at the amount of food you bought and see how much that would have cost you at the grocery store. This is one way you can start to save money.

There is no way it is less- otherwise,  how would a restaurant make it. If finances are so tight and you have no idea how to cook you can be thankful for the modern times we live in. Just a simple Google search or browsing on Pinterest will give your thousands of meal planning tips, recipes and more. If you take the time to plan your dinner meals for one week on a Sunday you could still be home with your family and SAVE MONEY!

It’s a win-win. If you want to check out a Freezer to Slow Cooker Meal Plan. I created one for free here on my other blog. You can search Pinterest for hundreds of free ones.

If you are saying you are living paycheck to paycheck and you hit up McDonald’s 3 times a week- you are being foolish. McDonald’s is not that cheap. A family of four eating there averages $30.  Give your family healthier cheaper meals. Plan your menu. If you are strapped for time take advantage of cooking in a crock pot. Have sandwiches for a week.

Our lives are seasons, they won't always be this way & we need to be wise in each season we are in.Click To Tweet

This can also be the coffees from Tim Hortons, Dunkin, Starbucks, wherever. The little convenience items you buy while you are heading to work or on the way home from a bible study all add up. These can be eliminated and slowly added back into your life once your finances are in order and you have created financial margin.

6 Little Known Ways to Save Money- That will change your life

Pray & Give Thanks

So this makes it 6 but boy is this one of the MOST important ones. If you have a relationship with Jesus prayer is the most powerful thing you can do when it comes to your finances. Even when you are looking over things and feel you don’t have any strength to continue or hope left to believe- God performs miracles. I hear this frequently from our friends about money showing up unexpectedly. Pray and trust and things will come together. We serve a God who will never forsake us.

Even when times are physically and mentally challenging we have things to be grateful for. When we can reflect on the things we are truly grateful for in our lives we keep the enemy one step back. In times of struggle, we must remember to put our armor on. To keep it charged with prayer and thanksgiving. The enemy wants nothing more than to have you fearful. He doesn’t want you to feel rest and contentment in the hope that only Jesus gives.

Fight back with prayer and reflect on the good. 

“And you shall remember the Lord your God, for it is He who gives you power to get wealth, that He may establish His covenant which He swore to your fathers, as it is this day.” (Deuteronomy 8:18)


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77 thoughts on “6 Little Known Ways to Save Money- That will change your life

    1. Thanks Roy! I know if we just took a minute to stop and think about why we are purchasing something or putting our money into something it would go a long way!

  1. These are some great tips that I wouldn’t have thought about. I remember spending a year without Cable and it was one of the best things. Now with Amazon Prime, this might be a good time to cut it out again. Thanks for sharing!

  2. Wow! I found you on Mom-to-Mom mondays! I really love this post it was super helpful. My husband and i have been using Dave Ramseys baby steps to get out of debt. We recently called comcast to cancel cable and it was more expensive to have just internet. Thank you for sharing about Time Warner Cable. We will be transferring to them once our contract is up with them. I also loved that you shared about Straight talk. We have verizon and our bill is $145 a month. We both have iphones and only 2gb of data and don’t go over that data amount. We are paying a lot for barely anything. I love using my iPhone to take pictures. I’m sure we could just get whatever phones they have and still use our iphones for pictures and connect to wifi with those. Again, thank you because we’ve been stuck on these two things for awhile. We don’t mind not using cable and such it’s just hard to find the right deal!

    1. Straight Talk has Iphones you can even activate your old iphone with a straight talk plan! Dave Ramsey really changed our financial decisions we have always been frugal but really giving our money a purpose and plan changed everything! Thinking of you as you go through these beginning stages of getting out of debt. They are painful at times but so crucial. Glad you stopped by from Mom-to-Mom Mondays! It’s great over there!

  3. We can’t do the cheap prepaid phone services because there isn’t coverage where we live or most of where we travel. But in October when our plan is up, we are switching to prepaid with our current cell phone company. It will save us about $20/month.

    We actually can’t use the cheapest Time Warner plan as it barely works for us. I never thought about it being a wireless router issue.

    1. I would really check the quality router you have and the whole restarting it. We really have multiple devices streaming off this $14.99 service and we live out in the country!

  4. Tasna, thank you for sharing these tips. We do many of these tip now. I am always trying to negotiate a better price with the cable and cell phone companies. We cut our cable over 2 years ago and never missed it (I especially don’t miss the monthly bill). Your suggestions are practical and doable for most people.

    1. Thanks Rachel! It’s crazy how you really don’t miss cable when you realize how much it actually costs you each month!

  5. You have a plethora of great cost-saving tips here! I haven’t heard of Straight Talk before. Our family is moving across the country this week so I’ll be sure to have my husband look into it.

    1. Thank you Wendy. Yes it has been great for us. I like now that you can renew your card all online so you don’t have to step foot into a Walmart store.

  6. Our biggest challenge is stopping eating out!! We say we’re not going to but the convenience gets to be too much some times!

  7. Great tips.
    My husband and I used to spend over $150 on just restaurants a week. Now we only go out once per week and we are saving so much!
    Plus I love getting great deals on snacks at BJ’S

  8. I like the title of your blog. I am a farmer. No one would know it by looking at me, that I am a cattle rancher and a farmer. We raise our own hay for our cattle. Farm life is all about being frugal.

  9. One way I save money on my grocery bill is to make a meal list for one to two weeks ahead and only shop for kitchen staples and then what I will need to cook exactly what meals I am making. As soon as I go to the grocery store without a plan…that’s when the prices starts adding up.

  10. Very good tips! I agree there are always ways to cut back. So many activities you can do for free like bike riding and walking.

    1. Sometimes you are in such a habit of choosing to eat out that you don’t stop to think about how much it really costs. You could even start small and cut out one day a week.

  11. I’ve got to check out the prepaid with Talk First. I KNOW I’ve got to do something about cable/internet costs. For some reason, this seems the one that I procrastinate the most about. Maybe I need a SmartTv this year to nudge me more in that direction.

  12. Meal planning and Tim Hortons are my downfall! Working on them though! Hoping planning crockpot meals will help save my bacon 🙂

  13. We did get rid of cable for Hulu and Netflix and it was a really good decision. Good suggestions and am going to try most of them. Only thing we won’t risk is downgrading internet service because my husband works from home but if we were just mainly using it recreationally we would. Thanks for the tips.

  14. We use Page Plus Cellular, which also uses the Verizon cell tower system. We switched about four years ago and never looked back.

    We’ve been using a Roku for about three years and finally cut the cable service when Playstation Vue service came online. It offers a mix of live and on demand programming and has add ons if you need or want premiums channels.

  15. We have been trying to cut cable for months. EEveryti I call, they can’t give a straight answer for just internet pricing. I will ask for the lower price plan and see what happens. 🙂

    1. That is crazy. Jill I saw it when they sent out their yearly prices of everything. It is called the Everyday Internet. Or was. 🙂 Best wishes to getting a straight answer.

  16. My husband and I have been talking and talking about getting rid of cable, my argument is I would not be able to watch our football or basketball ! what about the news that is important as well. I would say I am a extreme couponer and I also quit smoking to say us more money. I do my own nails and hubby cuts his and our youngest hair and has taught our oldest son to cut his own hair. I also only buy clothes on clearness racks as well , I feel we do things to say money !

  17. My best money tip is teach your kids about money and saving. They will learn to not want everything and know why the decisions made are made. Plus the BONUS of knowing they will grow up to be wiser more cost saving adults.

  18. Thank you for these amazing tips – already cut the cable bill and mostly eat at home….have been trying to figure out how to cut the phone & internet bills & will check out your info! And being grateful for what we do have & praying – so true!

    1. You are welcome Debb. So glad you stopped on over. 🙂 Hope you can find a way to cut the phone and internet as well! Every little bit helps.

    1. Thank you Michelle it is. When we first did I thought I was going to have such a hard time without having the news on in the background, but instead it turned out to be a good thing. I engaged in more conversation with my husband and kids. It’s hard at first but if it’s to help your finances now it could always be something you add back in. Thanks for stopping by. 🙂

  19. I have magic jack for home phone and its $35 a year then I only use my cell phone for emergencies when I am away from home and I have save so much money by doing it that way.

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