Finance

This week, I am going to discuss five painless money saving tips to help you achieve your financial goals. Right now my husband and I are saving for a down payment on a house in Southern California, which is no small task. So, I went through my budget to see places where I could save money. The goal is to know where your money is going and make it work for you. I am going to share a few small things that I do that can add up to big savings.

Five Painless Money Saving Tips

Pack Your Lunch Every Day

Five Painless Money Saving Tips

Packing your lunch everyday can add up to big savings! For me it started with a desire to eat healthier and have more control over what I was eating during the day.  I not only pack my lunch, but healthy snack options as well.  I was gifted these super cute reusable containers from GymIsBae on Etsy. Now, I not only save money on food, but also help the environment by using reusable containers rather than plastic or brown bags. Check out GymIsBae for cute fitness inspired gear.  Have fun with it by trying out new recipes on Pinterest and get the whole family in on it.

By bringing in your own coffee, breakfast, lunch, snacks, and beverages every day, you can save anywhere from $2,000 to $4,200 or more over the span of an entire year. And taking your own food to work is not just economical – in many cases, it’s also the more health-conscious option. When you prepare your own meals, you can use healthier, more natural ingredients and reduce your chances of overeating due to better portion control. – Moneyhackers

Review Your Recurring Charges

Okay, a lot of you know I have a penchant for subscription boxes, I was spending close to $200 dollars a month on them. So, this month I cancelled them all. I am now only reviewing boxes that are gifted to me. I also, cancelled my gym membership because I have slowly been building my collection of at home work out gear.  I have converted half of our guest room into a space that I can workout in and started running outdoors for my cardio. This saved me another $150 dollars.  My husband and I are already off cable and instead use streaming services such as HBO, Hulu, Netflix, and Showtime.  This practice saves us about $50 dollars a month over premium cable. This month I got rid of Showtime, since I wasn’t using it enough to justify the cost. Bringing my total monthly savings to $265 dollars a month!!

Get a Library Card

If you are a big reader like myself, getting a library card can save you a ton of money.  I went and got mine this week along with three books I am really excited to read this month, for a savings of $45. Not only, do they have great books, but they also have audio books and DVDs to rent.  I went through our books and was able to create more space in our home by donating a ton of books to the friends of the library which helps raise money to keep the library going.

For Every One Item I Buy, I Get Rid of Three

I am trying to live a simpler life of conscious consumption these days. We just have too much stuff that we don’t use. So now, I try make myself go through all of my bathing suits for example to see if I really need to buy one and get rid of the ones that no longer suit me or fit. Not only does it cut down on clutter, applying this rule to every item you buy allows you to ask yourself two questions. Do I really need this item? What items are no longer bringing me joy? This practice eliminates compulsory spending and makes you a conscious consumer.

Socialize Outside of Meal Times

A lot of times we meet up with friends for expensive meals out of habit. Instead try inviting your friends out on a hike, game night, or to do a DIY project together. Not only will you have more fun, but it challenges you to get out of your comfort zone and try new things.  I bet your friends will be excited to try something new as well. It also, has the side benefit of allowing you to eat out less and eat healthy more.

These are five ways I am painlessly saving money, but I would love to hear from you! What are some ways you save money and shop consciously?