This shop has been compensated by Collective Bias, Inc. and its advertiser. All opinions are mine alone. #SaveWithHopster #CollectiveBias
Saving money is something that doesn’t come easily for everyone. Some of us have more bills than money, while others are just not as disciplined about it. It’s not hard to save though and there are many ways to go about it, even if you think there is no extra money to be had. I have found numerous ways over the years to save. While just putting money in my savings account is the obvious way, there are times when that’s not easily done, so I’ve found a few other creative ways to help our budget.
First of all, make a budget. Knowing where your money is going helps to better organize it. It better lets you see how much you are actually spending on eating out or morning coffees. I’m not a big coffee drinker, but I do like to get my caffeine from my afternoon soda. Since I work from home, I would use my afternoon run to the gas station as an excuse to get out of the house and grab a soda. I finally added up how much that was costing me and now I buy six packs from the grocery store. It costs less and it lowers the risk of me buying snacks to go along with it.
- Download the app and choose your rebates from a large selection of brands. They have everything from name brand items to generic items like a gallon of milk.
- Shop at your favorite store. I’ve only used it at Walmart so far, but any store will do!
- Once you are done shopping, simply take a picture of your receipt showing the items purchased.
- The rebates will be redeemed and your cash credited to your PayPal account. There’s no need to wait to have a certain amount to cash out or anything like that. It goes straight to your PayPal.
Since the money goes to my PayPal account, I can leave it there as savings or use it to buy things online. Either way, it’s money back for groceries I was already buying. I haven’t been using it long, but I got $.50 back last week when I bought cereal and I’ll get $1.00 back from today’s shopping trip.
So many of us don’t think there is room in our budgets to save. Try having an automatic withdrawal set up to have money taken out of your checking every month and put into savings. Even better, you may have the option to have it taken straight out of your paycheck and deposited into a separate account. Are you really going to miss $20? I can blow that at Target buying snacks for my kids. You may not think $20 is a lot, but if you get paid every 2 weeks and have it transferred each check, that’s over $500 a year.
Sell Your Stuff
I’m sure you’ve heard this before. There are so many sites out there now that easily allow you to sell clothes. We all love to shop and if you aren’t going to wear it anymore, why not earn a little money on it? So many things can also be sold on eBay or Craigslist. I regularly sell clothes and books. If a large item comes up, like furniture, I always put it on Craigslist and I’ve always sold it. It may not be a ton of money, but it’s better than giving it away for free.
Making sure you are shopping smart and not buying whatever catches your eye, is a great habit to help you save. Make a list before you go grocery shopping. Meal planning will help make this even easier. I’m not the best meal planner, but I’ve gotten really good at going grocery shopping and only buying what I need. Cross check the Hopster app before you go. You may easily find items on there you need, which will then save you even more money.
Take Advantage of Free
Trying to save money doesn’t mean you have to stay home all the time. There are lots of free events, if you look for them. Check your area for days museums have free entrance. Many have them once a month or even once a week at specific times. There are chain stores, like Home Depot and Barnes and Noble, that do free kid activities every month. My kids have always loved these and I still take my daughter to them if I can. The library is obviously free when it comes to books. Check if they carry DVD’s as well. I have found lots of of old and newer movies that we have watched as a family and loved. Our library also has free events every month for the kids.
Save The Small Stuff
Save all your change or even small bills. If you saved every $1 bill that ended up in your hand, how much would you have? I don’t use cash much, so that would only maybe be $10 a month for me, but for someone who does use a lot of cash, it adds up. I do save all my change though. Every time we have moved, I cash it out and I’m always amazed at how fast it adds up.