ow do you save money when your cash barely lasts until the next payday? Saving is vital for your future or in case of an emergency. Paying yourself first should be at the top of every household budget. Yet, when you live paycheck to paycheck, where do you find the extra cash to save?
First you need to look at where your money is going and figure out how to spend less. Then you have to find new ways to bring some money in. While none of the methods listed here will make you rich, they can help you find the extra cash you need.
Open a Savings Account
Find a bank that pays you instead of charging you. Look for a bank that might save you more money than your present bank and don't be afraid to switch. Many banks these days offer free checking accounts and other money-saving perks. Some will even offer sign up bonuses and deposit the cash into your new account.
Avoid Debit Card Fees
Avoid debit card fees by going to the bank’s own ATM machine. Better yet, when you’re shopping, take advantage of the cash back option many stores offer. It’s free.
Open a Savings Account
Open a separate savings account and have your employer direct deposit a certain amount from each paycheck into it. It can be a small amount like $5 or $10 a week. You won’t even know its missing; it’s a great way to save some cash.
If you don’t watch much TV, cancel your cable service. It is a big expense that you won’t miss. You can always opt to stream free TV shows and movies from sites like Hulu. Even a paid prescription to Hulu is only $8 a month! If your TV is internet capable, you can hook it up to your PC to watch your favorite shows. You’ll never know the difference.
Cook More meals
Making meals at home is so much cheaper-and healthier-than eating out. Take out that long-forgotten crock pot and use it to make something like beef stew. Have some for dinner and freeze the rest into individual portions to heat up next time you need a quick meal.
Prepare Your Own Food
Take shortcuts like buying fresh chicken, which is inexpensive, and marinating it right in the storage bags before putting it in the freezer; next time you want chicken, just pop it in the oven. It's cheaper than buying your meats already marinated.
Compare prices and take advantage of sales. When the grocery store advertises a 10 for $10 item, you don’t have to buy all 10; the grocery store just wants you to think you do. You can get 4 or 5 for $1 each. Look for buy-one-get-one-free deals.
Look for healthier, cheaper substitutes. Opt for ground turkey-much cheaper than ground beef. Buy a head of lettuce instead of salad mix.
Skip The Brand Names
Buy store brand products-most of them are made by the same companies as the brand name.
Discover Your Local Dollar Store
Pick up paper goods and cleaning supplies at the dollar store. Here, you can also find stationary, food basics, candy, frames and many other secret treasures!
Save Your Change
Every time you make a purchase, take the change and squirrel it away in a jar somewhere. At the end of the year, or whenever you’re ready, take it to your bank and deposit a nice chunk of change.
You get the idea…
Write Articles And Get Paid For It.
Some sites will offer you small pay for small articles, while some blogs will pay you big money for longer ones. Either way, it comes in handy to get regular payments of $10, $20 and even $50 and up.
Become a Mystery Shopper
You will be emailed a list of weekly assignments; you can pick the ones you want. Better yet-not only do you get paid for the “shop” but you get reimbursed for anything you’re required to buy, so you end up getting that product or service for free. Some mystery shoppers work online visiting websites instead of physical stores.
Work From Home
Get hired as a call center representative through companies like LiveOps.com, WorkingSolutions.com and AlpineAccess.com. You apply online and if accepted, they will train you and pay you by the hour to take calls from home. Most companies will give you a basic script to follow, so there’s no worrying about saying the wrong thing. You can also try basic data entry. Though scams are plentiful, there are legitimate jobs out there. Check Craigslist or blogs like homewiththekids.com for real, hiring companies.
We work to make money, but sometimes we end up spending it instead. For instance, transportation is a major expense for some:
If you commute to work, it would behoove you to download an app that tells you where you can find the cheapest gas prices in your area. If you don’t drive, take public transportation instead of cabs. If you must take a cab, opt for Uber (an app for your phone that calls a private driver) instead. The cost is half of that of cab fare and you don’t have to tip.
Brown Bag Your Lunch
It’s cheaper and healthier. If you added up all the money you spend each day buying your morning coffee and ordering out for lunch, you’d be amazed at how much you spend.
Buy a travel mug and bring your own coffee.
Let Your Smart Phone Work For You by Downloading Apps That Make You Money.
Field Agent app pays you to do nearby small tasks while you are out and about. You may have to take pictures of a product at your local Walmart or checking if a certain product is in stock at Lowes. You earn $5 to $10 per task on average and that gets deposited into your Paypal account.
Pact pays you to lose weight. You get paid $5 a week for meeting your goals and you get healthier for doing so.
Receipt Hog pays you to take pictures of your receipts. You earn points for every snapshot and redeem the points for gift cards or Paypal deposits.
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By incorporating as many of these methods as possible into your daily life, you will soon find that your wallet is no longer empty come payday. You can start a savings and watch it grow. Best of all, each of these tips take little to no effort! Start saving today!
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