We all want to be financially responsible, but sometimes it can feel like in order to save more money and live a thriftier lifestyle, we have to completely change the way we live. I’m, happy to tell you that really does not have to be the case and that there are lots of little, totally not dramatic, things that the average person can to save more money without really impacting their lifestyle much at all.
Sound good? Check out these pretty painless ways to save more money and become a more financially responsible adult:
Track Your Expenditure
There are numerous apps which are free (or very cheap) and which enable you to track your spending to a high degree. If you’re serious about saving money and becoming more financially savvy, the first thing you should do is download one of these - I recommend Mint- and start using it. Obviously, you have to actually monitor the data an act on it to see where savings can be made, and actually make them, if you want it to be any use, but do that, and you’ll be on the right track.
Get Rid of Redundant Expenses
If you haven’t already been living the frugal life for some time, chances are that you have a number of regular expenses that aren’t really necessary. For example, if you have a gym membership that you never use or a subscription to HBO Go that you never watch, you’re spending good money for no good reason. By eliminating them, you can save sometimes significant amounts of cash without it having any impact on your life whatsoever.
Get a Better Paying Job
It stands to reason that the more money you make, the more money you are able to save, so getting a better job can be a great way to boost your savings. If you are thinking that’s all well and good, but switching jobs is actually quite drastic, well it doesn’t have to be. For example, if you were to do a bsn to msn online, you could conceivably work in the same place, doing a very similar job, but for a higher salary - this is just one example of how changing jobs can benefit you without causing much upheaval to your life at all. If you don’t want to retrain or even seek a new role, it’s always worth asking for a raise if you’re in a position to do so.What’s the worst that could happen?
Turnt the Thermostat Down
So many people don’t realize that you can make significant savings by simply turning your thermostat down a couple of degrees, and the vast majority of people will not notice a difference at all. So, give it a try, and you could save a fair sum with literally no pain on your part.
Make a Grocery List and Stick to It
Sure, writing a grocery list might take a few more moments out of your day, but it will stop you from buying duplicates of food you already have and ensure that you spend your money on stuff you’re actually going to use. If you actually stick to it and avoid throwing in those extras that catch your eye every time at you’re at the store, well you’ll save even more money. It might be pretty good for your waistline too.
Use the Library and Thrift Store
Instead of buying books, borrow them from the library where they are completely free or buy them much more cheaply at the thrift store. You’ll still get the same level of enjoyment out of them without the hefty price tag, and it’s not just books either, you can check out DVDs, toys board games and a whole host of other entertainments at many libraries, and thrift stores are a veritable treasure trove for pretty much anything you can imagine.
Use a Cashback Credit Card
Credit cards can be really bad news if you get the wrong one or use them the wrong way, but if you get a cashback credit card and you use it to make all of your regular purchases, paying it off at the end of the month to avoid interest charges, you will save money on those everyday expenditures leaving you better off than you were - it’s a real no-brainer.
As you can see, saving more money can be as easy as not trying to save money at all. More often than not, you will not notice many of the small changes that are necessary to boost your bank account and make your life more thrifty. You have nothing to lose, so what are you waiting for?