Back with another installment of A Girl and Her Money!!
Awhile back, Alisha who blogs over at Alisha Nicole, left me a comment asking if I'd blogged about the ways I saved money. I promised her a post so here it is. These are the ways that I've been saving money so far on my money journey, and I'm no expert, but it seems to be working so far.
1. Track Your Spending
2. Stop the Bleeding
Once you know where you money is going and where you are overspending its easier to cut back and trim. I realized I was spending like crazy on food, so I knew I needed to start planning better. I go to the grocery store on Sunday armed with a loose meal plan for the week. Lunches for Boomer and I, plus dinner. (Breakfast is pretty simple in our house, and I don't feel the need to 'plan'.)
3.Cut The Cord
4. Ye Have Not, Because Ye Ask Not.
Loose Biblical paraphrase, but important. Nothing is ever set in stone. Negotiate. Ask if you're really getting the best deal. I got my cell phone plan lowered by $40 just by telling them I wasn't happy with my rate, and asking if there was anything they could do. Same with my cable before I decided to chuck it all together. You can also barter. Do you have a skill that's worth money? Look into what you can trade for it!
This is huge. Do you know that you have bigger expenses coming up. Start saving now. I put aside money every month for my quarterly renters insurance. I have a rough estimate of how much Boomer's summer camp will cost, so I set aside some of my tax refund NOW to pay for it LATER.
6. Save a little room for fun...
If you follow me on IG, then you know I haven't given up my love of beauty products or eating out. Each time I'm paid and I work on my budget I set aside a little fun money. I have found that for myself, if I cut out EVERYTHING, I am much more likely to just give up on trying to budget and save.
What about you guys? Any helpful tips, or things that have worked for you? I'd love to hear about it!