Everyday Money Saving Tips & Tricks

Everyday Money Saving Tips and Tricks

No matter your financial situation, there is always room to save. Whether at the grocery store, or around the house, there are always opportunities to spend less and save more.

So why is saving so hard? It’s because saving money requires you to change your habits and lifestyle. It requires you to eat out less, buy used more, and stop making impulse purchases.

There are plenty of tips and tricks you can use every day that will help you put back cash. Even the worst shopaholic can save by just following these 10 simple tips:

1 – Save every $5 bill

This is a great trick for people who only carry cash every now and then. Say you make a purchase with a $20 bill and you are given $8 back – three $1 bills and one $5 bill. Save the five! You won’t miss it too much. Plus, you will be glad after a few of these types of purchases. Try saving your $5 bills for six months and see how much you can save!

2 – Carpool

Whether to work or to the gym, carpooling is a great way to save on gas and money for you and your carpool buddy.

3 – Buy used whenever possible

Whether clothes, furniture or cars, you will save when you buy used. Used items are less expensive and just as enjoyable as something that is new, but without the added cost.

4 – Take advantage of DIY content

With YouTube and Pinterest, you can learn to do just about anything! Next time you need to fix something around the house or are thinking about splurging on some jewelry, see if you can find a tutorial and do it yourself!

5 – If you have kids, eat out on “Kids Eat Free” nights

Treat yourself to a night out without overpaying. Lots of restaurants offer deals for parents where kids can eat free on certain nights of the week. Do some research and find out what establishments near you offer this deal.

6 – Online surveys

Your opinion matters! A lot of companies offer incentives for taking a few minutes to review their products or ideas online. It only takes a few minutes to earn money, coupons and vouchers.

7 – Things to not spend money on:

  • Household cleaners

Try making your own floor cleaner using 50% water, 50% vinegar, and 2-3 drops of dish soap. Need other ideas?  Check out more DIY cleaners.

  • Clothes that require dry cleaning

Avoid buying clothes that require significant upkeep like dry cleaning. You will end up paying about double what the outfit originally cost.

  • Salon costs

Look good without overpaying. Next time you need to get your nails done, clean up the cuticles and apply the polish yourself! Also, when getting your hair done, opt for a simpler and shorter cut. It will require less maintenance and gives your hair room to grow, creating a longer gap between appointments.

8 – Save money at the grocery store

  • Use coupons when available

There are dozens of great apps and websites out there where you can find coupons. Try RetailMeNot and Grocery IQ.

  • Stop buying “convenience” food

Convenience stores like gas stations and drug stores often charge more for products because they provide convenience. Avoid these impulse buys and plan ahead by shopping at the grocery store.

  • Plan your meals

Make a list of meals to make for the next week. Then break down all the ingredients you will need for those meals. By writing everything down you can see where you can cut back. Also, compare your list with your new coupon apps for extra savings.

9 – Save money on your power bills

  • Close vents in rooms you don’t use

Simply push the lever and close the vent to avoid air flow in unused rooms.

  • Use cold water when washing clothes

Unless you’re cleaning with the intention of sanitation, use cold water. Your stains and dirt will come out clean and you’ll save money by not using hot water.

  • Use ceiling fans

Most ceiling fans have directional and speed adjustments. Try setting the direction to counterclockwise at a high speed during the summer. This will blow air down and keep you cool. During the winter, change it to clockwise at a low speed. This will pull air up in the center and push it down again near the edges, creating a steadier temperature.

10 – Avoid paying fees by paying on time

Not paying your bills on time can result in increased interest rates and late fees. Avoid this by paying on time. And, if you know that you will be late this month, contact the companies billing department. More often than not they can adjust your payment date and help you avoid a late payment. Learn more about making timely payments at TitleMax®.

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1 Title-Secured Loans, Secured LOCs and Title Pawns: Maximum pledge amount in Mississippi is $2,500. Maximum loan amount in Tennessee is $6,500, assuming customer qualifies for and accepts both the pledge max of $2,500 and Secured LOC max of $4,000. Refinancing is not available for Mississippi or Tennessee Pledge products. Minimum loan amount for title-secured loans in South Carolina is $601.

Must be at least 18 years of age (19 in Alabama). Account approval requires satisfaction of all eligibility requirements, including a credit inquiry and motor vehicle appraisal. Must present valid government issued ID. Certain other eligibility requirements and terms & conditions apply. Loan/LOC/Pawn amounts vary by states and product. LOC customers are subject to a periodic collateral review to maintain credit limit. Proof of income documentation and ability to repay analysis is required in Missouri, Nevada, some Texas locations, and Utah.

2 Personal Unsecured Loans/LOCs: Unsecured loan amounts and products not available in all stores/states. Max loan amount for first time borrowers is $1,000 ($500 for an in-store personal loan in AZ). Returning customers with a good payment history may qualify for higher loan amounts, currently up to $2,500. Loans above $1,000 ($500 for an in-store personal loan in AZ) require two consecutive pay stubs showing direct deposit. In-Store: Account approval requires satisfaction of all eligibility requirements, including a credit inquiry. Bring in proof of income (dated within the last 30 days), active bank account details (dated within the last 45 days), proof of residency, a voided check, and a valid government-issued ID to apply. In AZ, a valid AZ motor vehicle registration in your name is also required. Min $601 in SC. Without SSN or ITIN, max loan amount is $300. Online: If you do not have an SSN or ITIN, please visit us in store to apply. Additional items required for eligibility, including: a valid and active email address and telephone number, a valid SSN, and proof of residency for the state in which you are applying (currently AZ, DE, KS, MO, MS, SC, TN, TX, UT or WI). Min $610 in SC. Certain other terms and conditions may apply.

– California, Illinois and Virginia Residents: TitleMax® no longer originates new loans in CA, IL or VA, but continues to service existing loans.

– Please see our California Resident Notice at Collection and Privacy Policy: Submit a Verified Consumer Request to understand what information we collect, disclose, or sell, to request that we delete your information, and/or opt out of selling by clicking Do Not Sell My Personal Information.

– In Georgia, TitleMax offers Title Pawns.

– New Mexico Consumers: please see important New Mexico Consumer Information and Disclosures.

– In Nevada, title loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any title loan transaction. Ability to repay analysis with income documentation required.

– In Tennessee, TitleMax offers title pledges, and secured and unsecured Lines of Credit (“LOC”). Only one LOC account allowed per customer, inclusive of other lenders. LOC customers are subject to a periodic income (and collateral, if applicable) review/validation.

– TitleMax of Texas, Inc. and TitleMax Online of Texas, Inc., d/b/a TitleMax acts as Credit Services Organizations to assist customers in obtaining a loan through an unaffiliated third-party lender. Please see store associate for details. Please see Texas Schedule of All Fees. TitleMax does not offer pawn loans or pawn transactions in Texas.

– TitleMax®, TitleBucks®, and InstaLoan®, are not considered competitors. Please see a store associate for details.

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