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When you are cutting your spending to save money you truly have to look at what you are buying!
Initially, before our debt reduction we would eat out several times a week. I would hit up the coffee shop for a latté two or three times a week. We took a mini vacation every couple of months.
We simply just weren’t watching what we were buying.
We were living our way into debt.
As a couple we took a serious look at our finances. I didn’t want to be stressing over money for the rest of my life or spending sleepless nights wondering where the next paycheck was going to be coming from.
If you need to get your finances, money and budgeting in check Financial Peace University is a great place to start.
We took a long hard look at what we were spending money on and I was surprised at the change it made in our budget and how much we were saving with just a few changes.
Do you want to save money?
Are you struggling with bills and living paycheck to paycheck? Is money tight? I have been there. Simple changes can make a world of difference in saving money.
The easiest step and one that will make the biggest difference isn’t cutting coupons or meal planning. Taking an honest look at where you are spending your money is the key to saving.
7 Things You Need To Stop Doing To Start Saving Money:
1. Stop spending so much money on coffee.
Skip the coffee shop and start bringing coffee from home. If it’s the latte you really like, you can make it at home all you need is this milk frother. I use our milk frother all the time to make vanilla lattes.
2. Skip the overpriced lunch meals and the vending machines.
Yes, going out for lunch is great but spending $100 on meals a week isn’t. You can save money by brown bagging your lunch or even better if you want a warm meal on the road invest in an oven lunch box.
3. Stop spending so much money.
Honestly, there is nothing wrong with comparing prices and cutting coupons or shopping the sales flyer. In fact it may save you more than a buck or two.
4. Eating out is great but keep it to a minimum.
Eating out is going to kill your budget plain and simple. An average family can have a meal out for say $100. That $100 could feed your family for a week.
The solution is simple, easy to make meals your family loves.
5. Stop rushing.
You need to be here, there and everywhere but you forgot this and that and now you are grabbing it all at the last minute and paying full price. Slow down, make a list and check the cupboards for what you need. Trust me it will save you money.
6. Stop paying so much for food.
Learn to make a grocery budget. Shop with a list. Use coupons or download the Ibotta App to save money. If you live where there is a farmers market, shop local and harvest the season.
7. Stop comparing and keeping up.
We look at the glossy Instagram vacation posts of others and want to book the next flight to sunshine. So and so just got a cute puppy and you want one too. The grass is always greener and prettier on the other side. We always want what we don’t have.
Be grateful for what you have and where you are on your journey.
This list is just the tip of the iceberg.
And honestly I think I have done every item on this list over and over again without thinking about it. The key being without thinking about it.
We go to the grocery store and buy all our regular items without checking what’s on sale. Oops we forgot to make coffee this morning because we were rushing out the door to drop the kids off at daycare so we swing thru the drive thru and grab a half sweet, extra shot latte.
We are so busy as a society that we are spending and rushing ourselves into debt.
Want to know the one thing that made a world of difference in our spending habits and saving money?
A plan! We made a plan for our money, a plan for our meals and a daily action plan. You can download all of these below. Start saving money today!
Other money saving posts that you might like:
- 7 Smart Ways To Eat Healthy On A Budget
- 21 Work At Home Jobs
- Stop Living Paycheck To Paycheck
- 45 Ways To Lower Your Household Expenses
Have an amazing day,
Saving & Simplicity