17 Simple Ways to Save Money That Most People Forget

We could all use a bit of cash, but most of us don’t consider saving the one we already have. While you can’t save your way to being a millionaire, you can surely save something to make your life better. In this article, we went through 17 ways you can save money for a better financial future.

Automate Your Savings

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Automating your savings takes the guesswork out of setting money aside, ensuring you save without having to think about it. You can set up automatic transfers to your savings account so you don’t have to think about doing it. Simply choose a percentage of your paycheck for automatic saving and let your banking app do the rest.

Brew Your Own Coffee

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Making your own coffee can save you a surprising amount of money each year. CNET says you can save $300 per year making coffee for yourself. Invest in a good coffee maker or French press and explore bulk purchasing of your favorite coffee beans.

Plan Low-Cost Entertainment

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You don’t need to spend a lot to have fun. Look out for free events in your community or enjoy nature by going for hikes. Invite friends over for a potluck dinner or a game night instead of going out. Libraries are also great for borrowing books, movies, and more. There’s plenty of fun to be had without spending much money at all.

Use Public Transportation

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If you compare the costs of public transportation versus owning a car, you’ll realize you are burning more than fuel. If you take advantage of monthly passes or discounted fare programs, you can even save more. According to Net Zero Nation, opting for public transportation not only cuts down your monthly commuting expenses but also reduces your carbon footprint.

Cancel Unused Subscriptions

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Many of us are guilty of paying for subscriptions we rarely use, draining our bank accounts quietly. Regularly review monthly subscriptions and memberships and cancel anything not used regularly. You could also consider sharing subscriptions with friends or family if the option is available.

Cook at Home More Often

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Cooking at home is not only healthier but also substantially less expensive than dining out or ordering takeout. Plan your meals weekly to reduce impulse buys and learn to use leftovers creatively. Invest in quality kitchen tools to make cooking at home easier and more enjoyable.

Shop With a List

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When you go shopping, always take a list with you. This helps you remember what you need and stops you from buying things you don’t. Before you leave, write down everything you need. When you’re at the store, stick to your list. This way, you won’t end up with stuff you won’t use. Also, look for stores that have good prices. This can save you a lot of money.

Buy Generic Brands

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Generic brands often offer the same quality as name brands at a fraction of the cost. Next time you’re buying everyday items or medicines, try the store brand instead of the well-known ones. You might need to try a few to find the ones you like. A lot of the time, these products are made in the same places as the more expensive brands.

Cut Down on Energy Costs

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You can save money on your energy bills in a few simple ways. EDF Energy recommends switching to LED lights and using appliances that don’t use much electricity. Next, get a thermostat that adjusts itself, so you’re only heating or cooling your home when you need to. Also, make sure your heating and cooling system is checked regularly. This keeps it running efficiently, saving you money.

DIY Where Possible

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If something in your house breaks, try to fix it yourself before calling a professional. There are lots of videos and online classes that can teach you how to fix clothes, electronics, and other things around the house. You’ll also want to have a good set of tools. Learning to fix things yourself can save you a lot of money over time and might even help you make some extra cash.

Pay Bills on Time

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Make sure you pay your bills when they’re due. Late payments can lead to extra fees and hurt your credit score. You can set up reminders or automate your payments so you don’t forget. Keeping your bills and financial papers organized can also help you stay on top of your payments. This is a simple way to avoid wasting money on fees.

Use Cashback and Rewards Programs

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Try signing up for apps and credit cards that give you cash back when you shop. Learn how to get the most out of these programs. And remember, always pay off your credit cards completely to avoid paying extra in interest. This way, you actually make a little money back on things you were going to buy anyway.

Practice Preventive Healthcare

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To avoid big medical bills later, take care of your health now. Go for regular health check-ups and screenings. Keep moving and eat well to stay healthy. You can also use gadgets like smartwatches to keep an eye on your health stats. Taking these steps can help you prevent illnesses and save on healthcare costs in the long run.

Buy in Bulk

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When you can, buy things you often use in large quantities. This works best for items that don’t spoil, like toilet paper or soap. You can also share big buys with friends to save even more money. Just make sure you have enough space to keep everything without it going to waste.

Reduce Water Waste

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Saving water is good for the planet and your wallet. Fix any leaks as soon as you find them. Putting in water-saving shower heads and toilets can also help a lot. These small changes can make a big difference in how much you pay for water each month.

Maintain and Repair Instead of Replacing

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Keep your big appliances and vehicles in good shape by having them serviced regularly. Learn how to fix small problems yourself. Sometimes, fixing something is better than buying a new one. Knowing when to repair and when to replace will save you a lot of money.

Shop Second-hand

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Check out thrift stores, garage sales, and online for used items. You can often find things that are just like new but much cheaper. If you’re looking for something specific, Live West says to consider shopping second-hand online. Knowing when and where to look for certain used items will make all the difference.

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