Tag: save

Five Simple Ways to Save Money Right NOW

16 Comments

We all want to save money, especially at the beginning of the year, every single year. We set these goals, and we do good for a day or two, then fall off the wagon. The truth is that you can save a few simple ways.

Here are FIVE simple ways to save money right NOW:

  1. Set Savings Goals

The first step is to think about what and why you are putting money aside. It can be for a vacation, retirement, or just for a savings account. You need to really break down the purpose you are saving. The objective depends on where you are and where you want to be. Set yourself milestones and goals. Check in once a month or bi-weekly and see where you are and how far away you are from your goals. 

  1. Pay Yourself First

Set up an auto debit from your checking account to your savings account each time you get paid. This action is something referred to as “set it and forget it.” The number doesn’t need to be much, but take a look back at step one and see how much you need to save each month.  

  1. Stop Smoking

My husband smokes, eh. I hate it, but it has been SO hard for him to quit. We have tried so many different options. I often think about how much we could save if he stopped smoking. If you smoke a pack and a half every day, that amounts to nearly $3,000 a year. Imagine a nice vacation you could have with that money; that is a considerable chunk of change!

  1. Take a “Staycation”

The place doesn’t even need to be anywhere close or far away, but somewhere with a bit of distance so you can truly enjoy the trip. Not traveling too out-of-the-way will save you money, while you are still able to have a little fun. 

  1. Pack Your Lunch

I am pretty adamant when it comes to taking your lunch. To prevent spending $10+ a day on a meal, I pack my own and snacks. I do manage to treat myself at least once a week or bi-weekly. By saving that money, I can put it aside into a separate bank account to see exactly how much I saved from not eating out. 

One more quick way to save: Create an Interest-Bearing Account. Many banks have different interest rates or rewards. Invest in the one that will bring the most bang for your buck. When you have a savings account, you certainly want to ensure to get a high interest rate.

Once you get a savings account built up, open a CD or emergency fund with a larger investment rate so that you can let it sit and build cash. What are some ways that you save money? Prepare for your future by always setting aside a little bit at a time over a longer period!

savemoney

** This post also contains affiliate links and I will be compensated if you make a purchase after clicking on my links.

Read our disclosure.

Like this blog post? Want more like this? Sign up for our  newsletter so you can stay up to date with ways to make money AND save money!

5 Easy Ways To Make Money Without Even Trying

23 Comments

I love being able to make money doing nothing. Who doesn’t? Why not get paid for being on your phone and even for shopping? Right? Doesn’t it sound so dreamy?! You can… now, it’s not going to make you a millionarire overnight, but you can use this money for gifts, etc. I know because it has helped me over the years! Yes, years.

I have been a part of these programs for a long time. Here’s some information about each of them:

  1. Swagbucks: Earn $3 in Swagbucks credit for every person who signs up. You’ll earn 10% of their earnings for LIFE! This doesn’t require people to spend any money out of pocket for you!! And the more you encourage your friends to earn Swagbucks, the more you earn. You can cash in your SBs for gift cards to Amazon, Starbucks, and more. Read more about how to earn more Swagbucks here.  (HELLO birthday gifts!)
  1. Iibotta: Earn $5 cash for every person who signs up through your link! BUT you can also earn a $10 Welcome Bonus. As if that’s not enough, they also offer special incentives and bonuses throughout the year. This is another great program to promote because you are helping your friends save money while earning cash. Download the app with referral code: ocwrist (there’s something for both of us!) Read more here https://susieliberatore.com/2016/08/21/ibotta-making-money-off-groceries-more/
  2. Ebates: Earn a $15 bonus for every person who signs up through your link and makes a minimum purchase that qualifies. The company sends you a check for your earnings every quarter. This is a no brainer! You shop online and it will find deals to get you cash back., So make that money girl!. 😉  Read more about it here 
  3. Shopkick: Earn 250 kicks for every person you refer. Shopkick is an app that rewards you for going into stores or taking actions in stores, the best part is you don’t have to buy anything! You can cash in your kicks for gift cards. Use code BLUE930017 or download 
  4. Check Out 51:  Again, this is another great one. You go grocery shopping, upload your receipt, and get money back on qualifying purchases. Easy as pie and too simple not to take advantage of!  Read more about it here

Copy of Copy of Copy of Copy of Copy of Copy of Copy of Copy of Copy of Copy of Copy of visions2images.com copy

** This post also contains affiliate links and I will be compensated if you make a purchase after clicking on my links.

Read our disclosure.

Like this blog post? Want more like this? Sign up for our  newsletter so you can stay up to date with ways to make money AND save money!

Where is Your Paycheck Money Really Going?

Leave a comment

I am all about spending money, making money, and saving money. It stresses me out sometimes. I want to be able to save and be secured but it seems like we are often stuck. There isn’t one real reason why we are stuck but I would say it is because of spending.. Right?

Things come up because life happens. It sucks! We can save, but then we have to take it back out because something happened. I know you are nodding your head reading this just because we have all been there. This isn’t a secret, but often times we are ashamed.. We are ashamed because we can’t go out to dinner with our friends that night, or get those new shoes we want, etc.

The question comes up, where does our money really go?! I took a close look at where our money was going and I am happy to share it with you!

  1. 15% food – this is all food, groceries, eating out, etc.
  2. 35% housing – this is our biggest one and includes utilities for the house.
  3. 15% transportation – car loan and even gas or car problems.
  4. 10% cell phone and internet, and also our home security.
  5. 12% other – this includes any savings and retirement, etc (we are working hard on this).
  6. 7% entertainment – this is cable, netflix, etc.

What do you spend your money on? Take a look at your bank and really monitor things over the next month and see where all your money goes! I look at all of these items and wonder if there is a way to save money and where to really save it?

Yours might be different, but we take pride in a lot of debt free items (no student loans or credit cards). We say no to every debt option we can so we can keep our flow low.

Copy of Copy of Copy of Copy of Copy of Copy of Copy of Copy of Copy of Copy of visions2images.com.jpg

http://amzn.to/2EX3kIH Queen Polar-Fleece Grey – Extra Soft Brush Fabric, Super Warm Bed, Lightweight Couch, Easy Care – by Utopia Bedding

http://amzn.to/2sKne4V  HYSEAS Velvet Plush Throw, Home Fleece Throw Blanket, 50″ x 60″, Teal

http://amzn.to/2CEGqRb nuLOOM Cozy Soft and Plush Diamond Trellis Shag Area Rug, 8′ x 10′

http://amzn.to/2ENBn2D Superior Modern Rockwood Collection Area Rug, 8mm Pile Height with Jute Backing, Textured Geometric Brick Design, Anti-Static, Water-Repellent Rugs – Chocolate, 8′ x 10′ Rug

http://amzn.to/2GBLzf9. Ottomanson Paterson Collection Contemporary Moroccan Trellis Design Lattice Area Rug, 5’3″x7’0″, Grey

 

Read our disclosure.

Like this blog post? Want more like this? Sign up for our  newsletter so you can stay up to date with ways to make money AND save money!