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.
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.
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.
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.
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.
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)