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7 Proven Ways to Save Money Each Month

7 Proven Ways to Save Money Each Month

If you’ve ever tried saving money, you know how challenging it is. You’re not alone. Most people find it hard to set some money aside regularly. We all have to learn what budgeting is at some point, and most people do this by trial and error once they become financially independent. However, taking a more structured approach can work wonders and allow you to save money each month.

Seven Tips to Help You Save Money and Cut the Monthly Bills

Many people think saving money every month or introducing a budget means significantly changing your habits. In most cases, that’s just not true. Even by making some fairly minor changes, you can vastly improve your financial position and open up new opportunities previously out of your reach. With that said, here are our tips for trimming your expenses and making the most of your money!

Track Your Expenses

Having an accurate picture of your finances is crucial when it comes to saving money. The best way to get it is by creating a spreadsheet where you’ll list all your regular expenses. You can start with bills, rent, mortgage payments, debts, and the average amount you spend on food and other essentials. This is the amount you need to have in your account every month.

Whatever you have left is your disposable income. Now, you can break that down into categories like hobbies, travel, and socializing to get a clearer picture of your spending habits. Also, you can transfer it to a separate account to ensure you don’t spend more than you’re supposed to. In any case, knowing how much money you can spend each month is essential to see how much you can save.

Trim Your Spending

Once you figure out where your money is going, you should be able to determine ways to cut the expenses you don’t need. There are a lot of things you can do here, including:

  • Canceling unused subscriptions like streaming services or gym memberships – many of them renew each month without your input;
  • Reducing luxury purchases (cook at home instead of eating out, make your morning coffee yourself instead of buying it, etc.);
  • Hunt for promotions and discounts – you can save a significant amount of money, especially on things you need each month, like groceries and other essentials.

Identify Your Goals

Don’t try to do everything at once because it won’t work. Instead, try to focus on a few clear goals you can achieve. To start, pick one short-term goal (like saving for a new smartphone, vacation, or holiday gifts) and one long-term goal (home down payment, remodeling project, retirement).

Setting up short-term goals and reaching them will allow you to enjoy the reward you saved for. More importantly, it will also give you a psychological boost to help you stay on track and achieve your long-term goals.

Have a No-Spend Day

Exercising some self-discipline is always a good idea. Therefore, try to have one no-spend day every week. Apparently, this practice will help you be more careful with your money in the long term. You can start off simple and save on small things, like using leftovers from the previous day instead of eating out or carrying your coffee or tea in a portable mug instead of going to Starbucks, etc.

Manage Your Appliances and Gadgets Better

You may not know that a device plugged in for charging still draws a small amount of power even though it’s fully charged. If you’re charging your phones, tablets, laptops and other gadgets overnight, it can quickly add up. So, instead of doing that, you can charge them up for a few hours during the day and then unplug them.

Also, a frosty freezer raises your energy bill. The more ice you have in there, the more energy it needs. If it’s lined up with more than 3 cm of ice, it’s definitely time for a defrost. While both of these tips seem small in the grand scheme of things, they’ll cut a significant amount off your monthly power bill.

Find New Sources of Income

There are many ways to get some extra money on the side without going out of your way. For example, platforms like Sweatcoin and BetterPoints allow you to earn store discounts in exchange for walking. You can also use a different search engine and get paid for it or refer friends to products and services you enjoy in exchange for cash or rewards!

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