101 Pain-Free Ways to Save Your Money Every Month
Is it painful for you to save your money? Yeah, I know. I hate it too.
When I was younger, I wasn’t the best at the whole money management thing. I didn’t understand about investments, savings, or interest. For me, it was just something old people talked about. I wanted to have fun and live for the moment!
That is until I married my accountant husband. Boy, was I in for a big shock. After about a month, I found out he didn’t like to spend money–at all. I was kinda angry for a while until I realized all that ridiculous penny-pinching got me a house. And I was able to stay home with the kids.
Then I was a believer.
I realized that some of the things we did really weren’t that bad after all. In fact, it became a game to see how much I could ratchet down the price of something.
Here are the 101 pain-free ways to save your money every month. I have listed ways you for you to save your money in different areas for easy reference.
How to Save Your Money on Food
- Stop buying coffee/drinks when you go to work in the morning. Make it at home.
- Stick to your grocery list when buying groceries.
- Don’t go to the grocery store when you are hungry or stressed.
- Eat up what you already have in the fridge, freezer, and pantry before you go spend more.
- Shop at the least expensive grocery store around you. Avoid specialty food stores.
- Use apps that have rebates, coupons, rewards or cut paper coupons.
- Plan your meals for the week using the grocery flyer.
- Avoid fast food eating.
- Buy generic when possible.
- Take your lunch to work.
- Don’t order anything but water to drink when you go out to eat. Save alcohol for at home.
- Eat out once a week and use coupons.
- Plan your date night with a budget in mind. Have a picnic, go to the dollar movie, walk around a pretty area. Talk!
- Make food gifts instead of buying gifts to save your money.
How to Save Your Money on Clothes
- Shop at thrift stores like Goodwill or Salvation Army for clothes and toys. (Find thrift shops near wealthy areas as they are the recipients of their cast-offs.)
- Shop at discount stores such as Marshalls, TJ Maxx, Ross, etc.
- Buy and sell at resale shops.
- Garage sale for kids toys and clothes.
- Swap clothes and toys with friends and family.
- Pass clothes, shoes, toys, and decor down to younger kids instead of buying all new things for each child.
- Repair items instead of buying new ones.
- Check out Macy’s. They have great coupons, sales, and rewards.
How to Save Your Money on Banking
- Don’t use any ATM’s or check cashing places that charge a fee.
- Use banks that don’t charge a fee or keep the minimum balance in the account to avoid fees.
- Start a savings account. Auto-draft a set amount every month. Take it out first thing.
- Cut up your credit cards if you can’t pay them off every month.
- Get a credit card that earns something like frequent flyer miles, cashback, free things, hotel stay. Whatever it is you will use.
- Look for hidden fees with any bank or money management services.
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How to Save Your Money on Services
- Trade labor instead of cash to save your money.
- Swap babysitting with neighbors or create a babysitting club.
- Need extra help? Hire a mama’s helper that is around 10yrs-12yrs old or so.
- Cancel memberships and subscriptions you don’t use. Gym membership anyone?
- Pay your child or a neighborhood kid to do your lawn or yard work if you don’t have time to do it.
How to Save Your Money in the Home
- Set heat and air to the highest and lowest you can comfortably live with.
- Use fans instead of the AC.
- Fix up old furniture with new paint.
- Check out DIY videos on YouTube for small repairs.
- Buy appliances that are a bit damaged (dent or ding) and ask for a big discount.
- Paint your house instead of using a painter.
- Fix up your house instead of buying it new or remodeled, if cost-effective.
- Take care of your own lawn, landscaping, and pool.
- Use For Sale By Owner, Craigslist, Nextdoor App., or Facebook when selling your house.
- Once a year, shop around for the best electricity rate and insurance rates on car and house.
- Cut cable/satellite and use Netflix, Hulu, Apple TV, etc.
- Cut the landline and use cell phones only.
- Shop at Homegoods, Ross, Target, or TJ Maxx for home decor.
How to Save Your Money on Travel
- Travel off-season when kids are little. Disney is cheaper for sure.
- Use a discount site when booking hotels, cars, even cruises.
- Airbnb is great for getting a bigger space for about the same price as a hotel. Get a kitchen to save on food.
- Ask the hotel or homeowner for a discount on your stay. Use their rewards program.
- Don’t go in debt to go on vacation.
Related: 52 Ways to Save Money on Travel
How to Save Your Money on Cars
- Buy fuel-efficient cars.
- Wash your own car.
- Go down to one car and use mass transit or find a carpool.
- Map out your errands and save your money on gas.
- Use a gas app to show the best places to fill up.
How to Save Your Money on Pets
- Groom your own pets.
- Use pet mobile services for vaccines instead of a brick and mortar vet. (Many large cities have mobile vets.)
- Buy flea and heartworm meds online. It’s much cheaper.
How to Save Your Money on Health*
- Practice good health habits to avoid excessive doctor trips. (Exercise and eat healthy.)
- Buy contacts online instead of through the eye doctor.
- Use the nurse at the CVS Minute Clinic instead of going to the doctor for minor issues.
- Get immunizations or shots at Sam’s Wholesale, CVS Minute Clinic, or another walk-in clinic outside the doctor’s office.
- Use a health sharing plan instead of a traditional health care plan. You will save THOUSANDS.
- Order your prescriptions through a Canadian pharmacy.
- Have day surgery in a surgery center outside the hospital, if an option.
*check with your doctor before you do any of these health suggestions
How to Save Your Money on Sports/Band
- Be very careful about the amount of money you spend on club sports. It will suck you dry with little return.
- Buy used workout equipment and create a home gym.
- Private lessons are expensive. Pay or barter with a friend who has knowledge in a sport or musical instrument.
- Buy used sports equipment for your kids. Buy online or go to resale sport’s shop. Upgrade only if they stick with it for a long time.
- Buy a used musical instrument. Use Amazon, Next Door App, Craigslist, etc. Upgrade if your child plays more than a year or two.
For more details, read this post on family time and sports: How to Create Family Memories With a Crazy Schedule
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How to Save Your Money on Beauty Products
- Use grocery store products instead of department store products when at all possible.
- Buy bar soap instead of a body wash.
- Buy large bottles of shampoo and conditioner instead of the smaller ones.
- Ask your hairstylist if she can buy hair products, curling iron, hairdryer for you cheaper.
- Color or do root touch-ups at home.
- Do your own manicure/pedicure.
- Make your own body scrubs.
Related: 25 Simple Money-Saving Beauty Tips
Buying Habits Guide
- Check FB, Neighborhood App, Craigslist for free or used items.
- Instead of buying books, CD’s, or movies, go to the city or church library and borrow them.
- Trade out books, CDs, or movies with family or friends.
- Wait for sales when buying big items. Price compare.
- Return things you should not have bought, if still returnable.
- Put your money in an envelope. When it is gone, there is no more.
- Save receipts so you can return things that break or have poor quality.
- Record your spending for a month so you know where your money is going. Make adjustments.
- Choose the top 3 stores you love and get on their email list. Use every reward, coupon offer, sale, and promotion available.
- Don’t buy anything that is going to draw interest. It will multiply the cost of your product exponentially.
Overall Practices to Help You Save Your Money
- Stop collecting stuff, and start selling unused things on Craigslist, Amazon, Facebook, Neighborhood App., or garage sale.
- Donate items you can’t sell. Itemize each item for a tax deduction.
- Use a coupon for everything you can.
- Get rid of any storage units you have. Sell or donate the stuff. If you aren’t using it now, you probably won’t later.
- Change your mindset. Learn contentment.
- Practice delayed gratification. Don’t buy it if you don’t have the money.
- Tithe 10%. You will be surprised at how God multiplies your money when you give generously.
- Run the numbers before your spouse works outside the home. Many jobs don’t pay enough for daycare, meals out, sickness, wardrobe, car costs, etc.
- Pay down debt!
- Pray for favor when buying.
- Don’t dip into your savings unless there is a huge emergency.
- Make a budget you and your spouse can live by. Stick to it.
- Don’t ignore small savings. It adds up!
Related: The Value of a Stay-at-Home Mom
How do you save money? Leave your tips in the comments.
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Continue the conversation on Facebook and join the group Christian Parenting and Family. This is a place for moms with preschool-age kids or older to talk about their struggles with parenting, family life, education, or marriage. You will find biblically-based advice from other moms who want to raise godly kids.
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