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25 tips on how to save money without being too limited


Do you want to have more than zero in your account? Do you need to save money for Christmas or just create a financial reserve in case of unexpected events?

We have 25 proven tips for you, with the help of which you can save a real package.

Then you can buy a new kitchen, a great holiday or the dream handbag that you have been looking at for so long.

1. Make an overview of income and expenses

Take a moment and write down your monthly income and expenses. Be consistent, don’t forget to budget annual payments such as compulsory liability, liability insurance or public transport. You can throw it on paper, in Excel, mobile applications or use internet banking. In it, individual payments can be classified, eg for rent, food, books, medicines, etc.

Of course, we all know what we’re spending. But when you see it in black and white, you suddenly notice that you pay a tremendous amount of coffee a month or that you pay unnecessary bank fees. You can find places where a lot of money flows through you, but in normal mode you will not notice it at all.

In addition, you will have a better idea of ​​how large a financial reserve you need and how long you will save on it. It is said that it is good to have a financial cushion of at least three, preferably six monthly salaries.

2. Say what you want to save and how much

If you already have a budget, you should see how much money you can put aside each month. Think carefully about what you actually save on and when you want to have a target amount.

With a specific goal in mind, it will be easier for you to save. You can save on big things like owning a home, paying off a mortgage, a car, a vacation, a financial reserve or a pension, but also on new clothes, a better mobile phone or a camera.

Once you know how much you want to save each month, update your financial budget and add savings to it. And most importantly, don’t save what you have left at the end of the month. Ideally, transfer the savings amount immediately after the payout, it is best to set up a standing order so that you do not have to deal with it.

With the money you have left after deducting regular payments and savings, you can do whatever you want. Buy something nice just for fun, go for a good meal, invest or send a little more to save and increase your reserve when you can.

3. Get more accounts

Have one account for current expenses and the other for savings. Once you make a list of income and expenses, you will know exactly how many dollars you can send each month for savings.

I recommend setting up a standing order so that the money goes out regularly. And there is a simple rule: if it is not necessary, do not touch the money from the savings account.

4. Plan your expenses in advance

Impulsive purchases usually lead to a big draft in the wallet. Instead, think in advance about what you really need or want, and where you can get it cheaper. Some companies offer seasonal discounts or a discount on your birthday.

5. Prepare a menu for the week

This is a great way to save on food, and it has worked very well for me. Instead of smaller purchases every day, think about what to cook for the week ahead and buy everything at once. You don’t have to go to the store practically all week, which has three major benefits.

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You will save time that you can devote to children or your hobbies. You will save money, because what we are talking about, something that is not planned will always end up in that basket. And you throw less stuff too.

6. Carry lunch in a box

Daily lunches at the restaurant cost a lot. Instead, at least occasionally cook food in a box and just reheat it at work. It’s faster and more economical.

You can also prepare a snack to avoid going to the store for something good. Or coffee. If you have a good coffee, bring your own in a thermo mug. The thermo mug will be great not only in winter, but also in summer, when you can make iced coffee in it.

7. Shop in bulk

Does that seem to contradict the article? Wait, I’ll explain right away. If you come across a really good price in action in the store, use it and buy things in stock. This typically applies to pasta, oils, rice, legumes or, for example, toilet paper, shampoos and shower gels.

But be careful that events don’t force you to buy things you don’t need. Then a good servant becomes a bad lord and you spend more than you would like. For food, keep an eye on the shelf life of products, stocks will be useless if you do not have time to consume them in time.

8. Find out how much energy your appliances consume

This is a tip for a lot of great analysts who want to have an overview of really every dollar. Find out how much electricity consume your appliances such as TV, kettle, microwave, just about everything you use every day.

Accordingly, you can reduce the need, for example, watch less TV, do not leave the laptop connected in sleep mode, do not make tenth tea a day, and so on.

Also observe the energy labels when purchasing appliances. Those marked A +++ are the most economical, those marked G will “eat” more.

9. Save water

Every month, a nice few dollars flow from the water tap. How to save as much money as possible on this item? Not to wash? This is too extreme. But instead of taking a bath, take a shower and turn off the water when you soap.

Do not let the water run unnecessarily, even when brushing your teeth. Install an aerator or water saver on the tap, which will allow you to set the desired water flow. This saves money, especially when washing dishes.

And if you can, catch rainwater is great for watering plants, washing cars, flushing toilets, and even washing.

10. Take advantage of loyalty programs and discount coupons

Many stores today offer loyalty programs. If you shop somewhere regularly, consider membership. You will receive, for example, discounted prices for selected goods, access to special events and discounts, a birthday discount or rewards for collected loyalty points.

Don’t even snort discount coupons. There are many websites on the Internet where you will find an overview of all discount coupons from well-known brands such as Adidas, Samsung, Philips or Nike. You just copy the code and use it when shopping in the e-shop. This can also save a lot.

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11. Try cashback and save when shopping online

What would you say if the seller returned a portion of your money from your online purchase? That would work, wouldn’t it? It’s called cashback and it’s very simple.

All you have to do is find the website of the cashback portal, of which there are several in the US, click through it to the selected store and buy something there.

After the purchase, you will receive part of the money back. The remuneration is usually in the range of 2-10%. It may seem small for one purchase, but if you buy like this more than once, you will save decent money.

12. Has anyone invited you to lunch? Set aside the same amount

A friend pointed me to this tip and another friend told her. You know it. The point is, if you go to lunch with someone, for example, and that person invites you, you transfer the saved amount to your savings account. Anyway, you originally expected to pay for lunch yourself. So this is such a nice bonus, because you don’t spend money, you save.

13. Exercise indoors or outdoors

Save on gym access and work out indoors or outdoors. It pays off more than a season ticket, which you still use only twice a month, because there is just “no time” to go there. In addition, exercising at home saves time, you don’t have to move anywhere and you can lean in it in the evening in front of the TV.

14. Invite your friends

Instead of sitting in restaurants, try to invite friends home from time to time. Everyone can bring something and you will have a proper feast. You also don’t have to go to the cinema for every movie, make it at home, make popcorn with it and a great movie experience is guaranteed.

15. Sell what you don’t want

You can also make money by selling things you no longer need. Old clothes, books, furniture, a vase you never liked anyway, a porcelain raffle deer on which dust sits…

Before you throw these things away, try offering them to other people. You get a few buck extras from the things you originally wrote off.

Tip: You can also buy things in the same way, they are often like new and cost much less. Or you can swap or exchange things. My sister got a lot of baby clothes like that in exchange for homemade jams. Just find a swap group on Facebook

16. Go to the library

Are you an avid reader? Don’t buy every book, but borrow it from the library. The reader’s card costs a few dollars and you can borrow hundreds of different titles, including magazines, but also DVDs, CDs and MP3s. Just be careful to return them on time, otherwise you will pay a fine for late returns and this goes against the plan to save.

17. Shop for private labels

The next time you go shopping at your favorite supermarket or hypermarket, reach for the chain’s private labels. They are cheaper, but comparable in quality, sometimes even better than competing goods. They are often made by well-known manufacturers, but they are just put in less attractive packaging with a different name. So why are private labels better? It’s simple, because they have lower production and sales costs.


18. Grow your own vegetables

It is not above your own vegetables from the garden or balcony box. Such a homemade tomato cannot be compared to the one bought at all. In the garden you can grow practically anything from cucumbers to salads to potatoes.

It’s a little worse in the apartment, but on the balcony you can grow herbs, tomatoes, peppers or radishes. You can also sprout healthy watercress sprouts, lentils or mung beans anywhere. Strawberries also thrive on the balcony, so if you have a free box left, go for them as well.

19. Don’t save where it doesn’t make sense

It’s tempting to reach for cheap things, but it can cost you dearly. As? The price often corresponds to the quality, so cheap things can soon break and you will have to buy new ones.

20. Don’t waste money on cleaners

I’m not saying you have to stop cleaning. But you can try plain vinegar and baking soda like your grandmothers. It costs a few dollars and you can clean the house with them from the cellar to the attic. An ideal way to save at home.

21. Wait a few days with your purchase

Do you want to buy a new handbag, phone or maybe a book? Hold on and wait a few days. If you don’t remember the thing even after a month, you don’t really need it at all. Impulsive purchases are usually advantageous only to the seller, not to you.

22. Borrow things you only use once

Do you need to fix something at home, but you don’t have a single screwdriver? Borrow tools from a neighbor or relatives. Don’t buy things you only need once. They hum in a few bucks, sometimes hundreds, and then lie somewhere in the corner, dust settling on them. Unnecessary expense instead of getting something more useful.

23. Beware of card and credit card payments

They are comfortable, but also treacherous. You do not see that you give up your money. When you pay in cash and get rid of money physically, you think about spending more. Credit cards in particular can get you in trouble. If you do not manage to repay the loan you took in the interest-free period, interest will be added to the amount due. Watch it.

24. Take care of your things

Do not underestimate the maintenance. Every thing needs a little care from time to time. It will last longer. Impregnate your shoes, clean the coffee machine, washing machine and dishwasher, defrost the freezer, clean the clogged window frames, paint the furniture… This will prevent unnecessary malfunctions and slow down wear.

25. Fix what can be fixed

If, despite all your efforts, something breaks, try to fix it. You can find tutorials on almost everything on the Internet, so with a little skill you have a chance of success. However, if you do not feel like it, use the services of the Repair Shop, a website where you will find skilled do-it-yourselfers and services from various parts of the country.


I hope these tips will help you save as much money as possible. But don’t forget that you also have to be rewarded from time to time.


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