What can we tell you that you don't already know about saving money on a tight budget? You don't need another source to tell you to cut the cord on TV, use coupons, find additional people to split living costs with, or—heaven forbid—start a side business.
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Even if you're already busy and exhausted, you're still motivated to save more money, whether your aim is to pay off debt, develop an emergency fund, contribute to an IRA, or something else. Let's go a little deeper and give some money-saving ideas you may not have considered.
- Shift Your Electricity Use
Your electric company may provide free tools to help you assess your home's energy usage and recommend ways to reduce your consumption and lower your bill. If you aren't on a time-of-use plan and it is available where you live, for example, switching to one could save you money. If you are, adjusting when you use energy-intensive equipment like laundry dryers, washers, and dishwashers could help you save money.
2 Check Your Eligibility for Low-Income Utility Programs
The federal Low Income Home Energy Assistance Program collaborates with states to assist low-income families in staying warm in the winter and cool in the summer. The qualifications and levels of support for aid with heating and cooling expenditures vary by state. Some programs will even assist you weatherize your home to save money on energy expenses or replace a damaged furnace or boiler1.
3 Search YouTube Before Paying a Professional
Some jobs are too perilous to attempt on your own. If you try to solve an issue yourself, you can make it worse and cost you more money in the long run. However, after watching someone else complete a work, we may find that it is shockingly inexpensive and simple to complete ourselves. Do some video research first the next time you have a problem that you'd ordinarily pay a professional to handle, whether it's changing your car's air filter or replacing your oven's heating element.
4 Switch to a Prepaid Cellphone Plan
When it comes to cellphone providers, most of us think of the big three: T-Mobile, Verizon, and AT&T. Their recurring monthly plans, on the other hand, are pricey and may include more data, quicker speeds, and newer phone technology than you require.
You might be able to decrease your monthly price in half if you switch to one of their prepaid plans. Switching to a smaller carrier like Republic Wireless, Ting, or Mint Mobile can also help you save money. Paying in advance for at least three months of service is also an option. If you don't use cellular data and instead rely on talking, texting, and WiFi, you can save a lot of money on your plan.
5 Allow Yourself One Subscription
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Newspapers. Movies and television. Music. Cloud storage is a method of storing data on the cloud Photo retouching Processing of text. Exercise classes are available. These days, it seems like every firm has a subscription-based revenue model. It's a great way to make money if you can get someone to sign up for a service and pay for it in the long run. If you want to save money, you must do the exact opposite.
Which one of your subscriptions do you utilize the most? Allow yourself that indulgence, and then reduce the rest of your calories. Many of them have no cost alternatives. You also don't have to commit to a single subscription for the entire year. You can change it up for anything that is on a month-to-month basis: This month, Hulu, next month, Netflix, and the month after that, Spotify.
6 Buy a Bidet
If the pandemic-induced toilet paper shortage wasn't enough to persuade you to try a bidet in 2020, now is the time to do so. Although it may not appear to be a budget-friendly option, entry-level ones that attach to the side of your toilet seat can be found for as little as $30 to $40 on Amazon and will quickly pay for itself in toilet paper and wet-wipe savings. Because bidets are water-efficient, they will not increase your water bill. Electricity is not used in the lower-end variants. Also, reducing your disposable product usage is excellent for the environment.
7 Do a No-Spend Challenge
You could feel that forcing yourself to go a week or a month without spending any money will simply release a lot of pent-up demand. Will you buy more groceries later if you don't buy foods now? Maybe. However, you may find yourself reconsidering those purchases you put off.
Maybe you can break your can-a-day habit, or at least reduce it in half, if you endured a week of sipping cold water with dinner because you ran out of Coke Zero. You will not make any unneeded impulse purchases. You might even find a free way to socialize with a friend. A no-spend challenge, whether for a day, a week, or a month, can help you boost your account balance.
8 Accept Help
There’s so much wealth and generosity in the United States that we should all feel comfortable accepting help when we need it. We’re talking food banks, pet pantries, free farmers markets, community gardens, school-supply giveaways, healthcare clinics, sliding-scale mental health services, Medicaid, hospital charity programs, and more.
8 Don’t Skimp on Insurance
It's all too tempting to minimize your insurance premiums by raising your deductible or reducing your coverage. But keep in mind why insurance exists. If your car is totaled, a pipe bursts in your upstairs apartment and floods you out, or a windstorm tears the roof off your house, having good insurance will help you get back to normal much faster and without causing financial hardship.
Spend the $20 to $50 a month on pet insurance for your furry best buddy if you're a pet parent. You'll thank yourself later if they require emergency surgery.
10 Give Yourself an Allowance
It’s miserable putting every penny of your income toward necessities and saving. You’ll stretch your willpower too thin and risk setting yourself back with a spending splurge. Instead, make a conscious choice at the beginning of every week, month, or pay period about how much money you’ll allow yourself to spend on fun things—within your overall budget, of course.
Then, enjoy those treats guilt-free. And if you want to save up for something bigger, roll over your allowance from one period to the next. A cash envelope or dedicated savings account can help you manage your fun money and keep it separate from your essential spending.
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