#1
Image source: ChessGuy90, Sonja Maric “I don’t smoke or drink. Saves me a lot of money.”
#2
Image source: sunnyjooooy, Keegan Evans “Bringing pack lunch, or always have a snack in my bag.”
#3
Image source: Fickle-Farmer-1402, energepic.com “Don’t spend money you don’t have! It’s a revolutionary concept, I know, but it really works wonders.”
#4
Image source: SuvenPan, Element5 Digital “Use the library for books, CDs, DVDs, and audio books.”
#5
Image source: Flashy_Remove_3830, Digital Buggu “Our biggest money saver is cooking our meals at home. We bake bread 3-4 days a week ($0.50/ loaf) and grow lettuce, peas, cucumbers, and herbs by a window all winter. Feel great, more money in my pocket!”
#6
Image source: Mac_nocheeze, Jack Sparrow “Eat before you go to the store and always make a list and stick with it.”
#7
Image source: Clandestinechic, Karolina Grabowska “Adjust what you think your zero is. Everyone has that “oh s**t I’m broke” number– I just inflated mine so I think I’m broke when I’m not. If I have $1000 in my bank account, I treat it like $0. $1050 is treated like I have only $50. It’s weird, but it’s been working so far.”
#8
Image source: DrteethDDS, cottonbro studio “Live below your means.”
#9
Image source: Meowsommar, Andrea Piacquadio “Just drink water.”
#10
Image source: Joker8pie, Elvert Barnes “Uninstall grubhub and doordash from your phone.”
#11
Image source: SuvenPan, Ono Kosuki “Banks are not your financial advisors, don’t take their advices. They are a business and think about their profit.”
#12
Image source: Dizzle71, Andrea Piacquadio “I’ve found recently that I do better with my finances when I check my account on the app every day. It’s almost addicting seeing my credit balances lower. I also notice that if I haven’t checked it in a few days I’ve been making bad financial decisions. It’s all mental at this point but it’s helped since I started doing it last October.”
#13
Image source: _PM_Me_Easy_Recipes, [deleted] “Don’t buy NFTs.”
#14
Image source: LetsPlayCanasta, Pixabay “Every time you get a raise, hide it. Increase your 401(k) contribution, or put it into an IRA, or invest in stock, or just put it aside in savings. In other words, don’t get used to a higher level of consumption. This is especially important when you’re young.”
#15
Image source: tetini8674, Diego Torres Silvestre “Buy better quality clothes but on sale. Shop at stores like TJMax and Marshall’s, especially if you live in a bigger city next to large malls. They get all of the good stuff that they didn’t sell in the mall that season. This way, your clothes will last longer.”
#16
Image source: Mentalfloss1, Anna Shvets “When you have a partner and share finances, but you have different styles of managing money, it’s a good idea to keep separate accounts. When my wife and I got married, we agreed that any expense over a certain amount, we would have to discuss and agree to. That amount is fairly low. Low-fee market index funds are the best investment. When you are considering a purchase, give yourself at least 24 hours, if possible, before pulling the trigger.”
#17
Image source: radicallefter, Karolina Grabowska “Make an actual budget and stick to it.”
#18
Image source: LVL100Stoner “Act like you always broke.”
#19
Image source: radpandaparty, Valeria Boltneva “When you spend money think “Is this worth x amount of time that I spent at work?”
#20
Image source: dumplin-gorilla-lion, Andrea Piacquadio “If you are good at sometime – don’t do it for free. I can plant gardens and mulch them. It’s relaxing, fun, easy and rewarding. Some people want a nice garden with edges and mulch. Takes me a few minutes to pick out some perrenials, and order them, with a bulk load of mulch and soil. I can drive it to a house, unload, cut out a garden and install the new one within a few hours, then go to a spot and unload to scrap I dug out (grass usually). I did this for free for a buddy. His neighbour wanted the same, and I said we could do it. They paid me $500 for a few hours labour and the materials. Now I charge $500 and walk away with $350 profit for a few hours, for the same work I was doing for fun on Sunday mornings.”
title: “20 People Share Their Best Hacks To Save Money” ShowToc: true date: “2024-10-07” author: “Jack Nosal”
#1
Image source: ChessGuy90, Sonja Maric “I don’t smoke or drink. Saves me a lot of money.”
#2
Image source: sunnyjooooy, Keegan Evans “Bringing pack lunch, or always have a snack in my bag.”
#3
Image source: Fickle-Farmer-1402, energepic.com “Don’t spend money you don’t have! It’s a revolutionary concept, I know, but it really works wonders.”
#4
Image source: SuvenPan, Element5 Digital “Use the library for books, CDs, DVDs, and audio books.”
#5
Image source: Flashy_Remove_3830, Digital Buggu “Our biggest money saver is cooking our meals at home. We bake bread 3-4 days a week ($0.50/ loaf) and grow lettuce, peas, cucumbers, and herbs by a window all winter. Feel great, more money in my pocket!”
#6
Image source: Mac_nocheeze, Jack Sparrow “Eat before you go to the store and always make a list and stick with it.”
#7
Image source: Clandestinechic, Karolina Grabowska “Adjust what you think your zero is. Everyone has that “oh s**t I’m broke” number– I just inflated mine so I think I’m broke when I’m not. If I have $1000 in my bank account, I treat it like $0. $1050 is treated like I have only $50. It’s weird, but it’s been working so far.”
#8
Image source: DrteethDDS, cottonbro studio “Live below your means.”
#9
Image source: Meowsommar, Andrea Piacquadio “Just drink water.”
#10
Image source: Joker8pie, Elvert Barnes “Uninstall grubhub and doordash from your phone.”
#11
Image source: SuvenPan, Ono Kosuki “Banks are not your financial advisors, don’t take their advices. They are a business and think about their profit.”
#12
Image source: Dizzle71, Andrea Piacquadio “I’ve found recently that I do better with my finances when I check my account on the app every day. It’s almost addicting seeing my credit balances lower. I also notice that if I haven’t checked it in a few days I’ve been making bad financial decisions. It’s all mental at this point but it’s helped since I started doing it last October.”
#13
Image source: _PM_Me_Easy_Recipes, [deleted] “Don’t buy NFTs.”
#14
Image source: LetsPlayCanasta, Pixabay “Every time you get a raise, hide it. Increase your 401(k) contribution, or put it into an IRA, or invest in stock, or just put it aside in savings. In other words, don’t get used to a higher level of consumption. This is especially important when you’re young.”
#15
Image source: tetini8674, Diego Torres Silvestre “Buy better quality clothes but on sale. Shop at stores like TJMax and Marshall’s, especially if you live in a bigger city next to large malls. They get all of the good stuff that they didn’t sell in the mall that season. This way, your clothes will last longer.”
#16
Image source: Mentalfloss1, Anna Shvets “When you have a partner and share finances, but you have different styles of managing money, it’s a good idea to keep separate accounts. When my wife and I got married, we agreed that any expense over a certain amount, we would have to discuss and agree to. That amount is fairly low. Low-fee market index funds are the best investment. When you are considering a purchase, give yourself at least 24 hours, if possible, before pulling the trigger.”
#17
Image source: radicallefter, Karolina Grabowska “Make an actual budget and stick to it.”
#18
Image source: LVL100Stoner “Act like you always broke.”
#19
Image source: radpandaparty, Valeria Boltneva “When you spend money think “Is this worth x amount of time that I spent at work?”
#20
Image source: dumplin-gorilla-lion, Andrea Piacquadio “If you are good at sometime – don’t do it for free. I can plant gardens and mulch them. It’s relaxing, fun, easy and rewarding. Some people want a nice garden with edges and mulch. Takes me a few minutes to pick out some perrenials, and order them, with a bulk load of mulch and soil. I can drive it to a house, unload, cut out a garden and install the new one within a few hours, then go to a spot and unload to scrap I dug out (grass usually). I did this for free for a buddy. His neighbour wanted the same, and I said we could do it. They paid me $500 for a few hours labour and the materials. Now I charge $500 and walk away with $350 profit for a few hours, for the same work I was doing for fun on Sunday mornings.”
title: “20 People Share Their Best Hacks To Save Money” ShowToc: true date: “2024-10-06” author: “Mamie David”
#1
More info: Reddit Image source: BeccaaCat, cottonbro studio “Buy secondhand! Today I have secured myself a solid pine desk for my daughters room, no marks or damage, for £10, and a worn-once, three piece navy suit for my son to wear at our wedding next year, also for £10. I buy maybe 80% of my stuff secondhand. I bide my time, wait for a bargain, and I have saved sooooo much money over the years.”
#2
Image source: meafloaf, micheile dot com “If you are getting married, send out wedding invitations to every billionaires address you can find. You have a 50/50 chance that their assistants will just send you a perfunctory gift without ever wondering who the hell you are. Free gifts!”
#3
Image source: Kings-x-Dynasty, behrouz sasani “Only drinking water is a solid one. Soda at restaurants or other drinks add up a lot.”
#4
Image source: -thersites-, Bidvine “If you can buy a tool to complete a repair for the same price as the repair itself, buy the tool and repair it for free next time.”
#5
Image source: Whatmeworry4, cottonbro studio “When buying online, leave items in the shopping cart for awhile. There is a good chance that the website is tracking this, and will lower the price overtime to entice you into buying. I’ve saved a lot by being patient. Like when I got a surround sound amp for $350 that was listed everywhere for $450 to $500, just by leaving it in the online shopping cart for a week.”
#6
Image source: anon, Pixabay “Don’t have kids.”
#7
Image source: anon “10% of your paycheck goes into a savings account and 20% to debts. The remainder stays in your checking account to pay bills and feed/entertain yourself. Be disciplined and stick to the plan. If you can, increase the savings percent. When you have enough savings to fulfill an emergency fund, start investing. Calculate if you can afford things using these constraints, and if you can’t then don’t purchase them. Not exactly a life hack, but this plan will make you wealthy.”
#8
Image source: kebabhue, lil artsy “I don’t smoke but live my financial life as a smoker. Meaning every Monday I transfer the sum of one weeks worth of cigarettes to my savings account. If people that earn less than me can afford smoking, so can I.”
#9
Image source: Trackull, Jack Sparrow “Always eat before going food shopping.”
#10
Image source: -thersites-, Ketut Subiyanto “Making one extra payment on your mortgage per year will reduce a 30 year mortgage to roughly 17 years.”
#11
Image source: _mexicola, Karolina Grabowska “I try to cost things as portions of better, or more fulfilling things i.e. A coffee is 1/10 of a new game. Ten meals out is a weekend away etc.”
#12
Image source: Richards_Brother, Nothing Ahead “When at the grocery, look at the price/oz or whatever unit it is instead of the total price. It’s usually posted in one corner. It’s not going to save you tons of money, but it does add up. Plus it takes out the guess work when comparing similar items.”
#13
Image source: Rwill113, Carol Pyles “Don’t buy something that you normally wouldn’t buy just because you have a coupon.”
#14
Image source: turtle101z, Ron Lach “Live below your means.”
#15
Image source: Bince82, Jess Ho “Learning how to cook pasta, rice and beans, soups, stews, polenta, grits, etc, really anything that costs very little and can feed a huge family. You save insane amounts of money, even if you are frugal in terms of buying cheaper things from stores (e.g. $5 sandwhich). For that same $5 you can make pasta with butter, cheese, and peas for the whole family. Or make beef stew with barley (chuck roast is really cheap and delicious in a stew).”
#16
Image source: anon, cottonbro studio “Get yourself a library card. It’s not just books, but also movies, workshops, education, software, computer time, music. I’ve probably saved thousands on all sorts of c**p. If it weren’t for the library, I probably wouldn’t have been introduced to awesome books like American Gods, The Way of Kings, All Systems Down, or The Road.”
#17
Image source: Gigglefruit358, Karolina Grabowska “I have a friend who, at the end of each pay period, moves whatever she has in checking into savings. It doesn’t matter if she’s got $5 or $50 in the account, it goes into savings the night before payday.”
#18
Image source: joo_ish, Juan Pablo Serrano Arenas “learn to cook! 4 or 5 reliably delicious recipes will go a loooooong way.”
#19
Image source: Creative_Uzername, Tony Webster “If you can avoid it, never take out a payday loan.”
#20
Image source: RusoArmo, Pixabay “I don’t spend $1 bills. I collect them in a box and at the end of the year I usually have a few hundred dollars.”
title: “20 People Share Their Best Hacks To Save Money” ShowToc: true date: “2024-10-07” author: “Adrienne Degrenier”
#1
Image source: ChessGuy90, Sonja Maric “I don’t smoke or drink. Saves me a lot of money.”
#2
Image source: sunnyjooooy, Keegan Evans “Bringing pack lunch, or always have a snack in my bag.”
#3
Image source: Fickle-Farmer-1402, energepic.com “Don’t spend money you don’t have! It’s a revolutionary concept, I know, but it really works wonders.”
#4
Image source: SuvenPan, Element5 Digital “Use the library for books, CDs, DVDs, and audio books.”
#5
Image source: Flashy_Remove_3830, Digital Buggu “Our biggest money saver is cooking our meals at home. We bake bread 3-4 days a week ($0.50/ loaf) and grow lettuce, peas, cucumbers, and herbs by a window all winter. Feel great, more money in my pocket!”
#6
Image source: Mac_nocheeze, Jack Sparrow “Eat before you go to the store and always make a list and stick with it.”
#7
Image source: Clandestinechic, Karolina Grabowska “Adjust what you think your zero is. Everyone has that “oh s**t I’m broke” number– I just inflated mine so I think I’m broke when I’m not. If I have $1000 in my bank account, I treat it like $0. $1050 is treated like I have only $50. It’s weird, but it’s been working so far.”
#8
Image source: DrteethDDS, cottonbro studio “Live below your means.”
#9
Image source: Meowsommar, Andrea Piacquadio “Just drink water.”
#10
Image source: Joker8pie, Elvert Barnes “Uninstall grubhub and doordash from your phone.”
#11
Image source: SuvenPan, Ono Kosuki “Banks are not your financial advisors, don’t take their advices. They are a business and think about their profit.”
#12
Image source: Dizzle71, Andrea Piacquadio “I’ve found recently that I do better with my finances when I check my account on the app every day. It’s almost addicting seeing my credit balances lower. I also notice that if I haven’t checked it in a few days I’ve been making bad financial decisions. It’s all mental at this point but it’s helped since I started doing it last October.”
#13
Image source: _PM_Me_Easy_Recipes, [deleted] “Don’t buy NFTs.”
#14
Image source: LetsPlayCanasta, Pixabay “Every time you get a raise, hide it. Increase your 401(k) contribution, or put it into an IRA, or invest in stock, or just put it aside in savings. In other words, don’t get used to a higher level of consumption. This is especially important when you’re young.”
#15
Image source: tetini8674, Diego Torres Silvestre “Buy better quality clothes but on sale. Shop at stores like TJMax and Marshall’s, especially if you live in a bigger city next to large malls. They get all of the good stuff that they didn’t sell in the mall that season. This way, your clothes will last longer.”
#16
Image source: Mentalfloss1, Anna Shvets “When you have a partner and share finances, but you have different styles of managing money, it’s a good idea to keep separate accounts. When my wife and I got married, we agreed that any expense over a certain amount, we would have to discuss and agree to. That amount is fairly low. Low-fee market index funds are the best investment. When you are considering a purchase, give yourself at least 24 hours, if possible, before pulling the trigger.”
#17
Image source: radicallefter, Karolina Grabowska “Make an actual budget and stick to it.”
#18
Image source: LVL100Stoner “Act like you always broke.”
#19
Image source: radpandaparty, Valeria Boltneva “When you spend money think “Is this worth x amount of time that I spent at work?”
#20
Image source: dumplin-gorilla-lion, Andrea Piacquadio “If you are good at sometime – don’t do it for free. I can plant gardens and mulch them. It’s relaxing, fun, easy and rewarding. Some people want a nice garden with edges and mulch. Takes me a few minutes to pick out some perrenials, and order them, with a bulk load of mulch and soil. I can drive it to a house, unload, cut out a garden and install the new one within a few hours, then go to a spot and unload to scrap I dug out (grass usually). I did this for free for a buddy. His neighbour wanted the same, and I said we could do it. They paid me $500 for a few hours labour and the materials. Now I charge $500 and walk away with $350 profit for a few hours, for the same work I was doing for fun on Sunday mornings.”
title: “20 People Share Their Best Hacks To Save Money” ShowToc: true date: “2024-10-16” author: “Dorothy Beard”
#1
More info: Reddit Image source: BeccaaCat, cottonbro studio “Buy secondhand! Today I have secured myself a solid pine desk for my daughters room, no marks or damage, for £10, and a worn-once, three piece navy suit for my son to wear at our wedding next year, also for £10. I buy maybe 80% of my stuff secondhand. I bide my time, wait for a bargain, and I have saved sooooo much money over the years.”
#2
Image source: meafloaf, micheile dot com “If you are getting married, send out wedding invitations to every billionaires address you can find. You have a 50/50 chance that their assistants will just send you a perfunctory gift without ever wondering who the hell you are. Free gifts!”
#3
Image source: Kings-x-Dynasty, behrouz sasani “Only drinking water is a solid one. Soda at restaurants or other drinks add up a lot.”
#4
Image source: -thersites-, Bidvine “If you can buy a tool to complete a repair for the same price as the repair itself, buy the tool and repair it for free next time.”
#5
Image source: Whatmeworry4, cottonbro studio “When buying online, leave items in the shopping cart for awhile. There is a good chance that the website is tracking this, and will lower the price overtime to entice you into buying. I’ve saved a lot by being patient. Like when I got a surround sound amp for $350 that was listed everywhere for $450 to $500, just by leaving it in the online shopping cart for a week.”
#6
Image source: anon, Pixabay “Don’t have kids.”
#7
Image source: anon “10% of your paycheck goes into a savings account and 20% to debts. The remainder stays in your checking account to pay bills and feed/entertain yourself. Be disciplined and stick to the plan. If you can, increase the savings percent. When you have enough savings to fulfill an emergency fund, start investing. Calculate if you can afford things using these constraints, and if you can’t then don’t purchase them. Not exactly a life hack, but this plan will make you wealthy.”
#8
Image source: kebabhue, lil artsy “I don’t smoke but live my financial life as a smoker. Meaning every Monday I transfer the sum of one weeks worth of cigarettes to my savings account. If people that earn less than me can afford smoking, so can I.”
#9
Image source: Trackull, Jack Sparrow “Always eat before going food shopping.”
#10
Image source: -thersites-, Ketut Subiyanto “Making one extra payment on your mortgage per year will reduce a 30 year mortgage to roughly 17 years.”
#11
Image source: _mexicola, Karolina Grabowska “I try to cost things as portions of better, or more fulfilling things i.e. A coffee is 1/10 of a new game. Ten meals out is a weekend away etc.”
#12
Image source: Richards_Brother, Nothing Ahead “When at the grocery, look at the price/oz or whatever unit it is instead of the total price. It’s usually posted in one corner. It’s not going to save you tons of money, but it does add up. Plus it takes out the guess work when comparing similar items.”
#13
Image source: Rwill113, Carol Pyles “Don’t buy something that you normally wouldn’t buy just because you have a coupon.”
#14
Image source: turtle101z, Ron Lach “Live below your means.”
#15
Image source: Bince82, Jess Ho “Learning how to cook pasta, rice and beans, soups, stews, polenta, grits, etc, really anything that costs very little and can feed a huge family. You save insane amounts of money, even if you are frugal in terms of buying cheaper things from stores (e.g. $5 sandwhich). For that same $5 you can make pasta with butter, cheese, and peas for the whole family. Or make beef stew with barley (chuck roast is really cheap and delicious in a stew).”
#16
Image source: anon, cottonbro studio “Get yourself a library card. It’s not just books, but also movies, workshops, education, software, computer time, music. I’ve probably saved thousands on all sorts of c**p. If it weren’t for the library, I probably wouldn’t have been introduced to awesome books like American Gods, The Way of Kings, All Systems Down, or The Road.”
#17
Image source: Gigglefruit358, Karolina Grabowska “I have a friend who, at the end of each pay period, moves whatever she has in checking into savings. It doesn’t matter if she’s got $5 or $50 in the account, it goes into savings the night before payday.”
#18
Image source: joo_ish, Juan Pablo Serrano Arenas “learn to cook! 4 or 5 reliably delicious recipes will go a loooooong way.”
#19
Image source: Creative_Uzername, Tony Webster “If you can avoid it, never take out a payday loan.”
#20
Image source: RusoArmo, Pixabay “I don’t spend $1 bills. I collect them in a box and at the end of the year I usually have a few hundred dollars.”
