31 Ways To Save Money Every Month

 

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Is inflation causing problems in your daily life? Are you looking for ways to save a lot of money every month? With simple lifestyle adjustments and smart habits, you can effortlessly increase your monthly savings. Discover 30 practical and highly effective ways to save money without compromising your quality of life:

1. Create a Budget: Track your income and expenses to understand where your money is going. Set realistic spending limits for each category.

2. Eliminate Unnecessary Subscriptions: Cancel subscriptions or memberships you don't use regularly.

3. Cook at Home: Eating out can be costly, so try to cook at home as much as possible.

4. Brown Bag Lunch: Bring your lunch to work instead of buying it daily.

5. Plan Free or Low-Cost Outings: Explore free local events and attractions for entertainment.

6. Make Your Coffee: Skip the coffee shop and make your favorite brew at home.

7. Use Coupons: Look for paper coupons in your local newspaper, printable coupons online and digital coupons that can be added to your grocery loyalty card before making purchases.

8. Buy Generic Brands: Consider purchasing generic or store brands to save on groceries and household items.

9. Shop Clearance: Take advantage of the clearance aisles for food and other items. Some might not be a great deal but sometimes you'll find products heavily marked down.

10. Compare Prices: Shop around and compare prices on an app like Flipp.com before making any purchases.

11. Use Public Transportation: Save on gas and parking fees by using public transportation or carpooling. If you are disabled or a senior you may qualify for a discounted bus pass.

12. Maintain your car: Instead of buying new tools, did you know that Autozone has a Loan-A-Tool service. All you have to do is leave a deposit which you'll receive back as long as you return the tools within 90 days.

13. Cut Utility Usage: Turn off lights and unplug electronics when not in use to lower utility bills.

14. Refillable Water Bottles: Buy a water filter for your sink or a water filter pitcher to save a ton of money instead of buying bottled water.

15. Avoid Impulse Buys: Wait 24 hours before making non-essential purchases to curb impulse buying.

16. Negotiate Bills: Negotiate with service providers to get better rates on internet, cable, or insurance.

17. DIY Projects: Learn to do simple repairs and projects around the house to save on labor costs.

18. Use the Library: Borrow books, movies, and magazines from the library instead of buying them.

19. Discounted Prescriptions: Use Goodrx.com for a discount card when paying for prescriptions to save a substantial amount of money.

20. Fix Before Replacing: Repair items before considering buying new ones.

21. Shop Thrift Stores: Look for quality second-hand items when shopping for clothes. Salvation Army has specific colors for certain days where you can receive 50% off or pay only $1 for any clothing item with that color tag.

22. Free Sites: If you are in need of furniture or electronics, check out the many free sites such as Craigslist "Free Items" section, Facebook Marketplace, BuyNothing, Freecycle and more.

23. Automate Savings: Decide on an amount and set up automatic transfers to a savings account as soon as you receive your paycheck.

24. Unsubscribe from Emails: Avoid temptation by unsubscribing from retail email lists.

25. Shop with a Grocery List: Plan your grocery shopping in advance and stick to your list to avoid impulsive purchases.

26. Use Energy-Efficient Appliances: Invest in energy-efficient appliances to reduce long-term utility costs.

27. Wait for Sales: Hold off on non-urgent purchases until sales events like Black Friday or Cyber Monday to get the best deals. You could wind up savings hundreds if not thousands. 

28. Free Entertainment: Pluto TV offers 250 channels where you can watch live programming, movies and tv shows all for free. Tubi TV offers over 200 channels, including live tv with 69 categories.

29. Monitor Your Bank Fees: Be aware of your bank's fees and consider switching to a no-fee account such as Chime.

30. Do Your Own Taxes: Use tax software or online resources to file your taxes instead of hiring a tax professional.

31. Try Free Online Courses: Explore free online courses and educational platforms to enhance your skills and knowledge such as Allison.