Wednesday, March 22

Simple Clever Ways to Save Money Every Month


Saving money doesn’t have to be hard, there are ways to save money every month. In fact, there are a lot of little things you can do to pinch a few pennies without making any big changes to your lifestyle.

Here are 10 clever ways to save money that you may not have thought of. Try out a few of them and see how much money you can start putting away each month.

Automate Your Savings

Ways to Save Money

One of the best ways to save money is to automate your savings. This means that you set up your bank account so that a certain amount of money is transferred into your savings account each month.

This may seem like a small amount, but it really adds up over time! And the best part is, you don’t even have to think about it – the money is automatically transferred, so you don’t have to remember to do it yourself.

If you have a hard time-saving money, this is a great way to make it easier on yourself. And once you have a nice little nest egg built up, you’ll be glad you did!

Cut Out Unnecessary Expenses

You probably know that you should be cutting out unnecessary expenses if you want to save money. But what does that actually mean?

Well, it means taking a good, hard look at your budget and your spending habits and identifying areas where you can cut back. Do you really need that daily latte? Or those new shoes you just had to have?

If you can’t seem to cut back on your own, there’s no shame in enlisting the help of a friend or family member who can give you an outsider’s perspective on where you’re wasting money.

Remember, every little bit counts when you’re trying to save money!

Find Cheaper Alternatives for Expensive Activities

You don’t have to give up your hobbies and activities just to save money—there are usually cheaper alternatives that can still give you the same satisfaction. For example, if you love going out to eat, you can cook more meals at home using recipes from your favorite restaurants. Or, if you’re a movie buff, you can wait for films to come out on DVD or streaming services instead of heading to the theater.

There are also ways to be creative with your existing hobbies. If you love traveling, see if there are any cheaper destinations that interest you. Or, if you’re a sports fan, look into getting tickets for games that are less popular so they’ll be cheaper.

Whatever it is that you enjoy doing, there’s probably a way to do it for less money—it just takes a little bit of thinking outside the box.

Get a Cash-Back Credit Card

You probably know that you can get cash back on certain credit cards, but did you know that you can actually use this to save money?

What I mean is, if you use a cash-back credit card for all of your regular expenses—like groceries, gas, and even your morning coffee—you can actually earn a decent amount of money over time. And then, you can use that money to pay down debt or save for a rainy day.

So how does it work? Essentially, every time you make a purchase with your cash-back credit card, you earn a small percentage of that purchase back in the form of cash. The amount varies depending on the card, but it’s typically around 1-5%.

To really maximize your savings, look for a card that offers bonuses for specific purchases—like 5% back on groceries or 3% back on gas. And then make sure to pay off your balance in full every month to avoid interest charges.

Invest in Quality Used Goods

One way to save money that you might not have thought of is to invest in quality used goods. This could mean anything from buying a used car to shopping at consignment stores for your clothing.

There are a few benefits to doing this:

  • Used goods are often just as good as new, but cost a fraction of the price.
  • You’re not contributing to the demand for new products, which saves resources and helps the environment.
  • Buying quality used goods can actually save you money in the long run, since they tend to last longer than cheaper alternatives.

So next time you’re in the market for something, consider checking out a consignment store or browsing the used listings online. You might be surprised at how much money you can save!

Make a Budget and Stick to It

You probably already know that you should make a budget and stick to it if you want to save money. But what you might not know is that there are a few different ways to do this.

The first way is to make a list of all your income and expenses, so you know exactly where your money is going. This can be a bit time-consuming, but it’s worth it to get an accurate picture of your finances.

Another way to make a budget is to use a budgeting app like Mint or You Need a Budget (YNAB). These apps help you track your spending and create a budget that works for you.

Finally, one of the best ways to stick to your budget is to automate your finances. This means setting up automatic transfers into your savings account or investing account so you’re less likely to spend the money. Automating your finances can help you save money without even thinking about it!

Negotiate Your Bills

You might not think that you have the power to negotiate your bills, but you absolutely do. Your service providers want to keep you as a customer, so they’re usually open to working with you on things like your monthly rate, late fees, and more.

It doesn’t hurt to ask, and you might be surprised at how much money you can save by simply having a conversation with your service provider. So if you’re feeling brave, give it a shot the next time your bill comes around.

Save on Groceries

You might not realize it, but the location of your grocery store matters. The closer it is to your house, the more likely you are to make spur-of-the-moment purchases that you hadn’t planned for. To avoid this, try shopping at a store that’s a bit out of the way. This will force you to plan your trips and make fewer impulse buys.

You can also save money by shopping at a discount grocery store or an ethnic market. These stores often have lower prices on common items, and they can be a great way to try new things. Just be sure to read the labels carefully so you know what you’re buying.

Use Cash Instead of Credit

One way to save money that you may not have thought of is using cash instead of credit. Credit can be tempting because it’s easy to spend money that you don’t actually have, but it can also lead to debt.

When you use cash, you’re more aware of how much money you’re spending because you can see it physically leaving your wallet. Plus, it’s more difficult to overspend when you’re using cash because you can only spend what you have.

If you’re used to using credit, make a budget and start withdrawing cash for your weekly or monthly expenses. You may be surprised at how much money you save by using cash instead of credit.

Work Towards Financial Goals

You might not think about this one as a way to save money, but working towards financial goals is a great way to stay on track. Set up a budget and make sure you’re automatically transferring a fixed percentage of your income into savings.

Another tip is to keep your goals realistic. It’s not going to be possible to save $1,000 in a week, but you can probably save $50. And every little bit counts!

Last but not least, make sure you have an emergency fund set up. This will help you cover unexpected expenses without having to put them on a credit card and rack up debt.


You don’t have to be a financial expert to save money – there are plenty of simple, everyday ways to cut down on your expenses. Next time you’re feeling tight on cash, try out one of these clever money-saving tips.

Do you have any other clever ways to save money? Share them with us in the comments below!

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