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Credit/debit cards

Credit/debit cards

Credit or debit cards are convenient, but you don't see your shrinking bank balance with every purchase.  

If you use mobile banking or money management apps while using your card, and it’s working, keep doing your thing. Otherwise, you might want to consider withdrawing a fixed amount of cash for your spending.

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MORE IDEAS FROM THE SAME ARTICLE

It can cost a lot of money to replace lost chargers and cables, expensive jewelry or losing keys and having to pay a locksmith to get into your house or car. 

Find motivation to declutter and get organized to prevent future incidents.

Make yourself stick to a grocery budget. Do not allow little trips to the store throughout the week because you ran out of one or two items. 

A routine of more than one grocery store trip per week indicates you’re not properly tracking your grocery consumption....

We are more susceptible to buying stuff we don’t need when we are hungry. The same goes for a leisurely grocery trip. 

Make your shopping trip when you have other errands to do and a limited time to do them. You will be less likely to spend time exploring and picking up items that you d...

You do not need a professional mechanic to sort out many of the simpler car problems.

There are all sorts of easy and helpful instruction videos available to repair or maintain your car for cheap.

If you pay heating and cooling bills, you might be paying more than you need to due to inadequate insulation. 

Effective insulation can be achieved.

Most streaming services are cheaper than paying for cable or satellite TV and you don’t get stuck with all the extra channels you never watch yet still have to pay for.

An expiration date on a food item does not mean it can no longer be consumed. Dried goods, such as cereal, uncooked pasta and dried beans fall into this category. Raw meat or bread can be stored in the freezer for some time.

You can also use online dat...

Not washing your hands, alcohol and junk food habits, and just not taking proper care of yourself in general, will all come back to bite you.

Weigh the potential medical bills against the temporary inconvenience of adjusting to new habits.

If you have an energy drink habit due to poor sleep, think of the money your sleep habits are costing you as an extra motivator to change them.

There are a number of health issues that could be causing you to feel drained. Visit your doctor to find out how to fix it.

You don’t have to spend money on the big brand names.

Your local grocery or drug store might have a store brand or sell a generic version. In most cases, the ingredients are pretty much identical.

Don’t use coupons as an excuse to buy things you normally wouldn’t, even if they only involve small amounts of money.

Stick to coupons for the things you already buy or that are absolutely necessary.

Rather buy better quality clothes that have been gently used instead of cheap new clothing.  Cheap clothes break and tear, and then you have to buy more.

If you insist on buying clothing or shoes brand new, find the items you really want and keep an eye open for when they will ...

You generally don’t need to buy a specific and often pricey product for every different surface in your home. 

There are recipes for DIY all-purpose cleaners on the cheap side as well as homemade cleaning products for specific surfaces.

Individually packaged food, in general, is more expensive than making something similar yourself.

Buy foods whole and cut them yourself.

We don’t keep track of all the little snack purchases made on the go.

Get in the habit of bringing plenty of liquids and a snack or two with you whenever you go do errands.

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Measure your expenses

Take a hard look at how much you are spending day to day. Every time you spend money, write it down as it happens in a little notebook or log it into an app.

Alternatively, use the envelope method. Make an envelope for each of your non-fixed expenses, like groceries, clo...

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Myth: Shop Early for the Best Deals

While early holiday shopping can snag you discounts and the best selection, you are most likely to get the best deal just before holiday shopping.

Retailers need to move holiday-specific merchandise because they are seasonal items. You can probably score deals 20% and 30%...

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Convenience Stores

Convenience stores add a huge markup because they don't purchase food in large quantities. They make you pay more for the convenience they provide. 

Unless it's an emergency situation, avoid shopping at convenience stores.

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