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I thought it would be fun to make a list of ways I save money each month and include ideas that I still need to work on too. Perhaps you already do some of these things but you could also try to use some of these ways to save money every month.
If you do implement one of these ways or all of these ways to save money every month, you are sure to see a positive difference in your finances. Maybe you need help paying off your debt, reaching your financial goals, or just establishing some good financial habits.
Here you will find 17+ ways to save money every month. If you choose to do all of these, you can be saving yourself hundreds or thousands of dollars each month. Every little bit of savings help!
Get a better rate on your home and auto insurance.
You are most likely paying more for insurance than you need. If you own a car that is only worth less than $1000 , you shouldn’t be paying for full coverage. Call your car insurance company and negotiate a better rate with less coverage. Call other insurance companies to see if they could also give you a better rate. Do the same with your home insurance.
Get rid of cable (or switch to basic!).
Consider getting Netflix or Amazon Prime instead of using cable. They are less expensive services that you could still enjoy. If you still want cable switch to using the basic cable which still provides a good number of channels. Another option is just to get a digital antenna which is cheap and yours to keep forever.
Earn cash back when shopping with Ebates.
Sign up on the Ebates website to earn cash back on purchases you would usually make online anyway. Ebates gives you FREE money for shopping (yes, it’s true and NO, it’s not a scam – promise).
All you do is click on a store when you’re the Ebates site (almost everywhere online) that you want to shop through (they have tons of stores such as Kohls, Carter’s, Toys R Us, etc.), and shop just like how you normally would.
Ebates makes a commission for referring you to the store you just shopped at, and they give you some of that money back as a thank you. This is a free service.
Even better, when you sign up through my link, you also automatically receive $10 cash back just for signing up.
Plan your meals to save money.
I eat healthier and save a lot of money by meal planning and having just enough food to not have extra wasted food. Every Sunday I plan out my meals for the week, make my grocery list, and stick to my list when shopping. You will save money if you do the same.
Try out the $5 Meal Plan service if you struggle with meal planning. You get meal plans by email with them.
The first two weeks are free and then you only pay $5 a month for meal plans sent to you along with a shopping list you need to make the meals. So you save money (each meal only works out to about $2 per person) and you save time because you don’t have to meal plan yourself. Win-win! If you want to join for free, click here.
Start Your Own Blog. Okay this is about making money not saving but in the end if you make an income from blogging, you will be saving money. It can be quite enjoyable and it helps pay the bills.
Save on salon costs.
You can save quite a bit of money if you do your own manicure or pedicure. I save by doing my own manicure and only do occasional pedicures in the salon.
For me, I don’t find it worth spending money on a manicure when in less than a week the polish is chipped. I don’t like using shellac to make the polish last longer either because I find the health of my nails suffers. Instead I save money by only doing pedicures at the salon. For my manicures, I usually just file and use clear polish – keeping it simple:)
If you dye your hair at a salon, consider dying your hair at home to also save a lot of money.
Only buy clothing that doesn’t require dry cleaning.
I don’t buy clothes that requires me to spend money and time at the dry cleaners. It’s one of the ways I’ve simplified my life. Before making a clothing purchase, check the clothing label to find out if dry cleaning is required.
Save on heating and cooling costs.
Adjust your thermostat 1-2 degrees down in the Winter and 1-2 degrees up in the Summer. Your body will get used to it and you will save money each month.
Another good thing to do is to also close the door to any rooms that are not being used so that you are not paying extra on your bill to heat and cool that unused room.
Buy used instead of new.
You can save yourself a lot of money by buying used instead of new for various items. I saved myself over $5oo by buying a refurbished Mac laptop and it works like new:)
Buy used for items such as a vehicle, clothing, decor items, tools, lawn equipment, and so much more.
Save on entertainment costs.
Take enjoyment in simple and free activities such as walking, going to the park, playing cards or board games you already own, reading a book or watching a movie you got from the library.
You could also save yourself a few $100 each month by eating less at restaurants and making more meals at home.
More Ways To Save Money Every Month (quick list)
- Buy and use a water filter instead of constantly buying water bottles. You’ll save money in the long run. I use the Brita.
- Drink water instead of soda.
- Use cloth napkins instead of disposable ones.
- Use microfiber towels instead of paper towels.
- Make lunches to bring to work.
- Skip your morning Starbucks coffee, and make your own coffee at home. Use a travel mug to take it to work.
- Stock up on meat when it’s on sale and fill your freezer.
- Use the library for free books, audiobooks, and movies.
- Add more veggies, rice, and beans to your meals and cut back on the amount of meat you use in a dish.
- Even though you might own a vehicle, cut back on driving to save gas and mileage. Use a bike or public transportation.
- Consider living with only one family car and car pooling – this could add up to some big savings!
- Pay your bills on time to avoid late payment fees.
How are you saving money? Feel free to share in the comments below…
Related post: 15 Steps Towards Simplifying Your Life