What are some ways you guys save money? we are struggling living paycheck to paycheck and i am tired of it
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A savings account. If it’s not in my hand I won’t use it
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Following. I think I do better with cash, I always tell myself I’m going to get cash out and set it aside somewhere and I never do. It’s a very frustrating cycle
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Buy food on sale and when you can stock up go to different stores for the sales. My budget for food is 200 every 2 weeks to feed my hubby and sometimes my family when they come over
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Make a spread sheet of your monthly income and all the bills and stuff you’re paying and see what you can cut back on and how much you can put in savings.
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Family of 8 & 6 animals. I coupon once a month. Stuff ends up being free for me. This is all extras shampoo, conditioner, razors, diapers, toilet paper, febreze products, mr. Clean products, baby wipes, dish soap & more. Usually $150+ is 75+ bill is always half! Lasts forever. Extra stuff I need dog food cat food kids snack, clip coupons online go on Saturday $5 off $25 plus whatever other stuff I need that has coupons online. Then meats I grab when they’re bogo or Weis sometimes has b1g2 free.
And if you meant save money away. Do the above and take what the bill should have been and put it away.
Budget books . Open up other bank save bank save to 300 or what ever you can do . Get take out of your bank ever week like 10 or 20 or 70 .Then take out and put them in books . My has save for car or birthday or things I need or just put money way for bills or foods .
Just don’t buy what you don’t need. No smoking, drinking, fast food …
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CHANGE!!! The smaller the amount of currency you have on you the better.
Create a realistic budget, see what can be saved
Pay yourself (savings) first
Cut out most unnecessary expenses
Look to see what can be improved on
For me, I see people make “ideal” budgets but they aren’t realistic and lead to failure. Cut out 100% of unnecessary spending and life gets boring and often leads to failure. Gotta find what works for you.
One common source of loss is food waste. Leftovers, using everything that’s bought, etc can make a big difference
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Carry a lunch. No fast food. No eating out. Brew your own coffee. Take cable out. And any other unneeded subscriptions. Make dinners to stretch for a couple days, like chili, spaghetti, etc. Exercise at home. Cancel the gym membership. Every little bit adds up. Check into the Dave Ramsey program. There is some good stuff to learn to get out of debt and save money.
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Dave Ramsey.
Budget, budget, budget, budget!
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Pull out 20, if you make more that week do 30, set it aside or put in a savings account. You can also set with your bank a certain time when you’re allowed to touch your savings ie: a year from now, etc.
Every week set the same amount aside class it as another bill
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For food, find coupons, use ibotta… takes time to accumulate anything but anything helps
Download the app, Everydollar. (it’s free) find out where your money is going and where you can shift funds around to your savings account. Knowing where every dollar goes helps in saving money.
don’t always buy name brand products, buy some items in bulk, don’t go out to eat unless it’s a special occasion
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Read Dave Ramsey books
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Do not spend $1bills. Put in jar. It adds up fast.
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Quitting cigarettes, alcohol, and fast food helped me tremendously.
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Buy in bulk when you can. Staples that will have a long shelf life. SALES !!! When things are crazy affordable, buy 10 ( cereal, etc.) Make a meal plan. Grow it if you can. Coupons… both “real” and downloadable, are my lifesaver
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Make a budget where all the items add up to your actual income for the week or two weeks depending on how often you get paid. Break down items like rent so if you do a budget for every two weeks half the rent is on the budget. Do this for utilities, car insurance, and any monthly payments. Get the cheapest cell phone company. I have cricket with a hotspot on my phone for wifi. Get rid of cable tv, streaming and all that stuff. Save for something important. I put money towards vacations. Lower the limits on your charge cards to 1500, 200, 2500 and tell them not to automatically raise them. That’s 3 cards. Use the the 1500 one as your main card. The other two are for emergencies, like a large car repair. Good luck!!
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401k plan. Savings account. Take the change off the end and keep your change balance at 0
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Me to pay check day gone same day you get .food and medicine are way to high
Off brand food, coupons, cutting out bs spending. Tons of ways
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Everything is to high food medicine gas plus cleaning stuff toilet paper paper towels pet supplies taxes phone light bill trash bill can’t save a dime
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