8. Pack Your Lunch
An obvious money-saving tip is finding everyday savings. If buying lunch at work costs $7, but bringing lunch from home costs only $2, then over the course of a year, you can create a $1250 emergency fund or make a significant contribution to a college plan or retirement fund.
21 Try a little patience
When shopping online, fill your shopping basket but don’t check out immediately (unless it’s something that’s selling like hotcakes). If suppliers spot items sitting in your basket for a day, they’ll get in touch to ask you if you forgot to check out and sometimes they’ll send you a discount to persuade you to return.
This only works if you have an online account with them, as they’ll need your email address.
FiordalisoGetty Images
8 Weather the storm
If the current crisis has taught us anything, it's the importance of a rainy day fund. If yours has taken a battering recently (or you never really had one), start saving – anything is better than nothing. The rule of thumb is to have three months’ income saved for emergencies, ideally six if you have a mortgage.
21. Money-making strategy: Give blood
You can \make around $20 to $50 per donation of blood, depending if your blood type is rare or common. You can also donate plasma. Different states have different minimum requirements that must be paid when people donate plasma.
Plasma donations help people who are fighting Leukemia and other immune disorders. This is a bit more complicated and involved than donating blood but you won't get much more than donating blood.
6. Get a side hustle
A side hustle is simply another activity that you do on top of your main join that earns a bit of income. It should ideally fit comfortably into your daily life.
- Online surveys: sites such as YouGov, Prolific, and PineconeResearch can pay £50 a month
- Rate music: you can get paid to listen to music and rate it for about 10p a track at Slicethepie
- Tutoring: if you can play the piano or speak a foreign language, you can get paid around £30 an hour
Discover how Times Money Mentor reader Laura Dempster used her love of embroidery to boost her social life and house deposit.
12. Reduce your tax bill
Keep more of your earnings by claiming all the tax reliefs you are entitled to. If your employer has asked you to work from home, make sure you claim this tax rebate effectively giving you up to £140 of free money every year.
There is also rent-a-room relief, which lets you earn £7,500 a year tax-free from letting out furnished accommodation in your home.
For more tax tips, here are ten easy ways to cut your tax bill.
With the cost of living on the up, it may feel harder than ever to put money aside for a rainy day.
To help you, we’ve come up with 20 easy money saving tips designed to slot into your daily life without too much effort.
This article includes:
This article contains affiliate links* that can earn us revenue.
Many people feel they lack the funds or motivation to save, and yet having a pot of money set aside for emergencies is essential for our finances as well as our mental health.
Due to the limited opportunities to spend during the first year of the pandemic, British households had built up their savings to the second highest level on record by the beginning of 2021.
But as restrictions eased and the cost of living continues to rise, it will become increasingly difficult to put extra money aside.
If you know that you struggle, here are 20 simple methods to help you get into the savings habit:
13 Waste less food
Almost three quarters of what we throw away in the home is edible, according to recycling charity WRAP. Make a conscious effort to use everything you buy and you'll save a fortune.
If you're worried about food safety, remember: ‘use by’ date is the cut-off after which it is not considered safe to eat the food. However, eating food past a ‘best before’ date won't cause any health issues.
Johner Images
#7. Smooth your bills
‘Bill smoothing’ is a payment system offered by utility providers (electricity, gas, water) whereby you pay them fortnightly or monthly, instead of having to pay the whole bill in one go.
It protects people on tight budgets from bill shock and having to go into debt and potentially pay interest.
Richard from Simple Living Australia recommends you adopt a similar approach with your everyday finances: regularly squirreling money away to pay large bills down the track.
‘Bill smoothing’ is a payment system offered by utility providers (electricity, gas, water) whereby you pay them fortnightly or monthly, instead of having to pay the whole bill in one go.
“This allows you to save money up over time to pay for certain bills annually versus, say, monthly – taking advantage of discounts for paying bills and premiums in one hit rather than in instalments.”
MoneySmart recommends you add up how much your big bills cost in total for the year. That way you can work out how much to put away each pay in advance.
By putting this amount aside each time you’re paid, you’ll always have money available to cover your next big bill.
10. Check your insurance rates.
No, really. Did you know people save an average of $700 when they have an Endorsed Local Provider (ELP) check their insurance rates for them? $700! You owe it to yourself to at least have them look things over for you and see what savings they can dig up.
24 Make the most of resale platforms
Did you know that the average British woman accumulates an estimated £22,000 of unworn clothes over a lifetime? It's time to make money while you spend it by exchanging your old clobber for cash via resale platforms such as Depop, Vinted and eBay.
You can also use these sites to hunt for top-quality gifts. Pre-owned doesn’t have to mean lower-quality – many items sold on these sites are brand new and often cost less than the original retail price.
5 Don't splurge on payday
Nationwide’s Payday Saveday survey revealed 1 in 5 people spend over half their spare monthly wages within 48 hours of getting paid! Don't let your disposable income burn a hole in your wallet, always ask yourself if you really need it.
Prioritise your most important outgoings, plus something for the savings pot, before you start spending. That way, you’ll know how much disposable income you really have to last the rest of the month.
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16. DIY . . . everything!
Before you shell out the cash to pay for a new backsplash, fancy light fixture or bench, think about doing it yourself! Usually, the cost of materials and a simple Google or YouTube search will save you a ton of money on your latest home project. Plus, you won’t have to pay someone to do something you can most likely do yourself. But if you’re the type that can’t seem to hit the nail on the head, you might want to ask a friend or neighbor for help so you don’t have to spend money on new drywall.
Oh, and when you need to do some DIY work (or any kind of work), borrow what you need from a friend or neighbor instead of going out and buying it.
16. Borrow rather than buy
If you don’t manage to find what you need in a charity shop, maybe you can borrow it. Family members who are on board to support you while you save may be able to help here.
Alternatively, Badlee is an app that lets you borrow items from friends and neighbours, while the Library of Things in south London lets you borrow useful products like drills, gazebos and carpet cleaners at affordable prices.
16 Cut your grocery bill
Buying only what you need may sound like an obvious way to save money, but it can be easier said than done. Once you’ve planned your meals for the week ahead, the Love Food Hate Waste Portion Calculator can help take the guesswork out of totting up what you need to buy.
Get to know the world food aisle in your supermarket (it hides savings of up to 75% on cupboard staples including rice, lentils, beans, spices and sauces), shop in the evening's for discounts, look at lower supermarket shelves for smaller prices, don't pay for plastic bags and make your fruit and veg last longer.
Image SourceGetty Images
18. Money-making strategy: Take on housecleaning jobs
There's a variety of platforms online that you could tap into for doing this, or you could simply scour your neighborhood or post on social media. You could use Amazon's Home Services for this as well, or you could create your own simple, one-page website to advertise.
Either way, this is a terrific way to make upwards of $20 per hour or more doing a job that's often in high demand. You could easily make this a long-term gig if you perform well and don't cut corners.
Related: From $100 Million to Broke to Betting It All on Cryptocurrencies
15. Try a spending freeze.
Don’t buy any nonessential items for a week—or even a month! Think about it as a contentment challenge. While you’re at it, take inventory of what you’re grateful for each day. This should help kick your “want-itis” in the pants!
Make your spending freeze work by prepping meals with the food you already have, avoiding stores where you tend to impulse buy (did someone say Target dollar spot?), and saying no to anything that isn’t a basic necessity.
17. Skip the coffee shop.
Ouch. This one is painful—we get it! But instead of spending $5 on that daily latte, you can save money by just making your coffee at home. Listen, we’re not saying you should only drink instant coffee (unless you’re into that sort of thing). But even purchasing a bag of local beans from your neighborhood coffee shop and brewing it at home will save you a lot of money in the long run.
18. The library is your friend.
Before you click “add to cart” on that brand-new book, check your local library to see if you can borrow it! Most libraries also have audiobooks and digital copies of your favorite books for rent. It’s an easy way to get your reading in without breaking the bank.
We get it, though—because we love reading too! In our National Study of Millionaires, 81% of millionaires surveyed read 11 or more books per year. Like Dave Ramsey always says, “Readers are leaders.”
Bonus tip: Check sites like Alibris and Thriftbooks for major deals on like-new or even well-loved books . . . for next to nothing!
#11. Use our savings goal planner
Use Budget Direct’s savings goal planner to work out how much you need to regularly set aside to reach your savings target; and what discretionary spending you could cut in the process.
The planner also allows you to upload an image of the thing you’re saving for. Research shows pictures can provide you with added motivation to achieve your goal.
This post was brought to you by Budget Direct Life Insurance
19. Quit the bad habits
Smoking is the most obvious bad habit to quit. Not only is it terrible for your health but awful for your wallet too. A ten-day-a-smoking-habit can easily cost you £1,825 a year. Over 30 years that’s almost £55,000.
You can find support to quit smoking at NHS Smoke Free and get healthier and richer in the process.
Cutting down on booze can really save the pennies too. On average we spend £1000 per year on alcohol, which is £63,000 over our legal-drinking lifespan. Cutting out two glasses of wine or pints of beer at the pub a week, costing £4.50, could save you £469.
Where as cutting out just two shop-bought coffees, costing £2.75 each, every week for a year, you would save £286.
10 Switch supplier
Spend 15 minutes on a comparison site and, you are almost guaranteed to find cheaper deals on your household bills. Ofgem calculates that the average household can save £300 a year by switching to a better energy and gas deal.
If you haven't done this in the last 18 months, now might be a good time to grab your latest utility statements and check out comparison sites, such as uswitch or moneysupermarket. Don't stop there. When the insurance comes up for renewal, look around for cheaper deals.
9. Get creative with gifts
You can save money with affordable gift ideas, like herb gardens and books, or go the do-it-yourself route. Baking cookies, creating art or preparing someone dinner can demonstrate that you care just as much as making an expensive purchase, and perhaps even more so. You can also shower someone with the gift of your time by offering to take them to a local (free) museum or other event.
11. Spend less on food
There are lots of ways to cut back on your grocery shopping, without having to limit the amount that you buy, these include:
- Swapping to a budget supermarket
- Downshifting, such as swapping branded products for supermarket-own
- Writing a list and meal planning
- Cooking in bulk
- Using apps such as Too Good To Go, which offer unsold but still fresh food from supermarkets, restaurants and other retailers at much cheaper prices to prevent it going to waste.
BBC Good Food has a budget recipe section and the popular Cooking On A Bootstrap shows you can eat well for less. Check out our guide to family finances: how to prepare for everything for more tips and tricks.
8. Have a holiday-free year
While Covid has taken the choice away from money of us, staycations can be just as expensive as travelling abroad if not more so.
Sticking to day trips, cheap weekends and camping holidays away can save you a significant chunk of money and often be more fun. It is also likely to be less stressful given the disruption caused by the pandemic to foreign travel.
If you are looking at ways to save money for a holiday we have some ideas..
1. Automate transfers
By setting up automatic transfers from your checking account to your savings account each month, the money will accumulate over time without any additional work on your part. This technique can be especially useful when your savings accounts are dedicated to specific goals, such as establishing an emergency fund, going on a vacation or building a down payment.
You can also let apps like Digit or Qapital do some of the work for you. After you sign up, they'll transfer small amounts from your checking account to a separate savings account for you. That way, you don’t have to spend time or energy thinking about making a transfer. You can learn more about apps that automate savings and decide if they’re a good fit for you.
19. Money-making strategy: Become a home organizer
You could easily do home organizing for people, an industry that has gained a lot of popularity since the debut of Netflix's hit series Tidying Up with Marie Kondo. If you're a tidy and organized person yourself, and you're good at organizing spaces, why not offer your services to people around you? You'd be surprised at how many people, even on your own social media feed, might take you up on doing something like this.
Again, a site like Care.com also helps to connect home organizers with people looking for this type of service. It all depends on whether you want to go through a professional company or pitch it yourself to people that are already in your personal or business network.
Related: 8 Ways Any Millennial Can Be a Millionaire in 5 Years
#10. Avoid a poverty mentality
Many people consider thrift – using money and other resources carefully and not wastefully – a virtue.
However, while thrift is an obvious way to save, we need to guard against being too frugal, says Emma Johnson, founder of WealthySingleMommy.com.
“Ultimately, the only way to get ahead financially is to focus on earning, saving and investing,” Emma says.
“Focusing on skimping on the grocery and electricity bill will only get you so far, and puts you at risk of a poverty mentality.”
A poverty, or lack, mentality is one preoccupied with a shortage of money: all the things the person doesn’t have and can’t get, says Randy Gage, writing for getmotivation.com
These people tend to have self-limiting beliefs and to make decisions based on fear of loss or failure. In contrast, people with a prosperity, or abundance, mentality base their decisions on what the possible benefits are.
6. Save money automatically.
Did you know that you can save money without thinking about it? Yup—you can set up your bank account to automatically transfer funds from your checking account into a savings account every month. If that sounds scary to you, you can also set up your direct deposit to automatically transfer 10% of each paycheck into your savings account. Boom!
11 Remortgage!
If your fixed term mortgage deal has come to an end you may be paying a ‘loyalty’ penalty of high interest which could add up to as much as £1000 a year. So, talk to your mortgage broker about remortgaging to the best deal for now, or find an independent mortgage adviser at unbiased.co.uk or vouchedfor.
14. Reduce your electric bill
Big and small changes in your energy usage can help you save hundreds annually on your electric bill. Consider plugging any insulation leaks in your home, using smart power strips, swapping in more energy-efficient appliances and switching to a smart thermostat. Even incremental drops in your monthly electricity usage can add up to big savings over the long term.
22. Money-making strategy: Decorate homes for the holidays
Whether it's New Year's, Christmas lighting, Easter, Fourth of July or any other holiday, you can get paid to help decorate homes. This might involve putting up lights inside or outside, decorating trees, setting up games and decor.
Use the internet and social media to find clients, or simply advertise to your local network. There are loads of options when it comes to doing specialty jobs like this.
Related: 50 Ideas for a Lucrative Side Hustle
14. Cashback websites
Cashback websites give you a certain percentage cashback whenever you spend online at a selected retailer by going through them first. They are free and simple to use and you could earn hundreds of pounds.
TopCashback and Quidco are the most well-known and are free to use, just make sure you only use them for usual spending rather than buying things you don’t need.
4. Transfer debt to a 0% deal
If you have a large amount of debt, perhaps on an overdraft or credit card, it is likely that you are paying high levels of interest. You could consider switching it all to a credit card with a 0% balance-transfer deal like the ones we have listed here.
These cards don’t charge any interest on your transferred debt for a set period, so you can stop giving your money to the bank and instead use all of it to pay off what you owe faster.
Watch out as you may have to pay a fee. Not everyone will get accepted for the best deals depending on your credit rating but it could be worth it in the long run.
30. Money-making strategy: Wash or detail cars
People are always looking to have their cars washed and detailed. You could be a mobile car washer and detailer without having a permanent location. Reach out to people you know or make some flyers and put it in your neighbors' mailboxes. If you want to get serious about it, prop up a one-page website or give out business cards. You can make money quickly doing this.
13. Get the right money-saving app
If you need extra encouragement with saving, then a money-saving app could be for you – and there are plenty to choose from. For example:
- Chip calculates what you can afford to save every few days and then transfers that amount from your current account to your Chip account
- Plumdoes the same and automatically notifies users when they’re overpaying on bills and let them switch to a cheaper provider within the app
- Cleo*is a chatbot on Facebook Messenger that analyses your spending, offering insights into your habits and what you can do to save more
Many of these apps, like Moneybox, make saving feel like a game where you challenge yourself to put more away.
Challenges can be a great way to save, check out some ideas we’ve come up with here.
5. Cut ties with cable.
It’s no secret that cable prices are rising like crazy. The average monthly price for cable TV is about $217 a month including all the fees—which adds up to over $2,600 a year!2Here’s the good news: Cable isn’t the only way to watch your favorite shows these days. Cut the cord and find out how to save big with alternatives to cable like network apps and streaming services.
But remember—don’t go subscription service happy here. Only sign up for the streaming services you’ll actually use. If you sign up for everything out there, you could end up actually spending more than cable!
20. Use cash back apps and coupons.
Nothing beats a good, old-fashioned 20% off coupon when you’re buying something. But did you know there are plenty of cash back apps out there to help your savings go even further? Check out Ibotta, Rakuten and Honey (a browser extension).
Do you ever feel like no matter how hard you try it’s still impossible to find ways to save money? You mean well and try to spend less, but something always comes up. Life gets in the way—the car needs new tires, the teenager needs braces, the house needs a new roof—and just like that, saving money takes a back seat. Sound familiar?
The truth is, you don’t need everything to magically line up perfectly before you start saving money. Spoiler alert: If you wait for the “right time” to roll around, it’s never going to show up. The best time to start saving is right now.
The good news is there are plenty of straightforward ways to save money and breathe some fresh air (and fresh cash) into your budget. Here are 22 money-saving tips to help you tweak your spending and get on the fast track to saving money in no time.
15. Money-making strategy: Tutor students
Parents are always willing to invest in their children's future. If you have a great deal of knowledge in subjects such as math, science or computers, you could tutor for cash.
Both Indeed.com and Care.com offer opportunities for tutoring local students. You could opt for either of these platforms or simply find your clients through your personal network or social media.
23 Manage your gadgets and appliances
It’s not a myth, a small amount of electricity is still drawn when a device is plugged in for charging. Instead of charging overnight, juice up for a couple of hours during the day and unplug to save on your electricity bills. This could save you as much as £30 a year, according to the Energy Saving Trust.
Did we mention that not defrosting your freezer is costing you more in energy, too? The more ice your freezer is fashioning, the more energy it uses. So, if the ice gathering around the inside is thicker than around 3cm, defrost it.
3 Stay on track
Don’t let cash slip through your fingers. With digital bank Monzo you can transfer a set amount of spending money to your card while prepaid cards – like Monese and Transferwise – only let you spend what you load.
Too high tech? Set up a day to day spending account with its own card, and transfer your weekly disposable income on to it.
3. Money-making strategy: Sell old books and games on Amazon
Amazon makes it fairly easy to list and sell old books, games and devices on its marketplace. You can make more than just a few bucks If you have pricey textbooks from college. Be sure the books are in good condition. You'll get negative reviews if you attempt to sell books that are falling apart or games that are scratched up. Remember, be upfront about any defects, no matter how small they might be and no matter how few people might readily notice it.
2. Count your coins and bills
Another option is saving your change manually by setting it aside each night. After you have a sizable amount, you can deposit it directly into your savings and watch your account grow from there. In fact, when you want to watch your spending, it’s a good idea to use cash instead of credit cards because it can be harder to part with physical money. While this strategy doesn’t build savings overnight, it's a solid approach for slow-and-steady savings growth.
8. Money-making strategy: Sell on CafePress or Etsy
If you can design digital items, you can sell them for a share of the profits on a site like CafePress. You can do this with nothing more than some design software. They can include custom logos, inspirational sayings and other topical or trending designs appealing to the masses.
You could hire a designer to assist you with this, but you still need to come up with the ideas. This works best if you understand design yourself but requires no overhead. Items are printed and delivered on-demand. You simply receive a share of the proceeds. Similarly, you could sell items on Etsy as well.
3. Prep for grocery shopping
A little work before you go to the grocery store can go a long way toward helping you save money on groceries. Check your pantry and make a shopping list to avoid impulse buying something you don't need. Learn how to get coupons and join loyalty programs to maximize your savings as you shop. In exchange for sharing your phone number or email address, your local store’s loyalty program might offer additional discounts.
If you use a cash-back credit card, you could earn extra cash back on grocery purchases. Some cards offer as much as 5% or 6% cash back, but you’ll want to be sure to pay off your bill each month to avoid paying interest and fees.
The app Flipp pulls in coupons from local stores when you enter your ZIP code. That way, you can shop sales without sorting through the newspaper. If you shop for groceries at a large retailer like Target, Amazon or Walmart, you can often find additional savings by downloading the store’s app.
3. Pay Yourself First
Set up an auto debit from your checking account to your savings account each payday. Whether it's $50 every two weeks or $500, don't cheat yourself out of a healthy long-term savings plan.
22. Sell everything (that doesn’t bring you joy).
Marie Kondo has the right idea. Declutter the things in your home that you don’t need and are willing to let go of for the sake of your financial future. That vintage chair your aunt gave you? Sell it. That crystal vase you found at an antique shop? Sell it. You’d be surprised at how much clutter you have in your home (that you don’t even use or think about). And the cash you can make on those things can be the difference between living paycheck to paycheck or not.
10. Money-making strategy: Grab gigs on Fivver
No matter what type of service you offer, you can likely offer it Fivver. This is terrific for digital services such as graphic design, web design, short audio or video clip creation, editing services, writing and so on.
Fivver has expanded beyond just the $5-per-gig model. Fiverr Pro pools the best talent on its platform. Depending on your skills, you could do considerably well on here.
Related: 5 Ways Fiverr Jump-Started My Life as an Entrepreneur
#6. Control your impulses
Credit cards, ATMs and online shopping make it easier than ever to spend money. Especially on things we want rather than need; the extent to which we succumb to temptation typically boils down to our willpower. Studies have shown that self-control is a bit like a muscle that tires out with use.
Ironically, it’s the willpower of poorer shoppers that tends to get depleted the most. This is a result of the fact they face repeated, difficult financial decisions.
“It’s not that the poor have less willpower than the rich,” says the American Psychological Association.
“Rather, for people living in poverty, every decision – even whether to buy soap – requires self-control and dips into their limited willpower pool.”
If you see something you want, says Canstar, wait at least a day before you buy it – 30 days if it’s a non-necessary big purchase. You might find the urge passes. Another way of short-circuiting your impulse to buy is to work out how many hours of work the purchase price represents; chances are you’ll think the item’s not worth it.
9 Beware the BOGOFs!
How many times have you walked into a supermarket and fallen victim to a BOGOF (Buy One Get One Free) deal? says Robert Gardner, Director of Investments at St James's Place. We’ve all done it. We go to do the monthly food shop and we get swept away by all the ‘money saving’ opportunities that we see on the shelves. But did you know that the average person in the UK spends £1,300 more a year on these BOGOF deals than they need to? The money you spend buying three bottles of Coke when you only need one is significant and these deals not only cost you dearly, but may also contribute to food waste. So next time you go shopping use the calculator on your phone to work out how much you could save by not falling for the BOGOFs.
4. Stop Smoking
No, it's certainly not easy to quit, but if you smoke a pack and a half every day, that amounts to nearly $3,000 a year you can realize in savings if you quit. According to the Centers for Disease Control, the percentage of Americans who smoke cigarettes is now below 20 percent for the first time since at least the mid-1960s — join the club!
24. Money-making strategy: Rent a spare room on AirBnB
AirBnB can be a terrific platform for renting out a spare room. You can make some good money, especially if you live in a tourist destination. If you don't mind the neighbors, then this is definitely an option. You can crash with friends and family and rent out your entire house if you're really desperate.
Related: What You'll Really Earn on Uber, Airbnb and TaskRabbit Every Month
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