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9 Surprisingly Easy Ways To Save Money Starting Today

9 Surprisingly Easy Ways To Save Money Starting Today

There’s a common misconception that in order to save money you have to make a ton of money. Well, that’s simply not true. You can save for the future today without a massive income. You just need to develop some responsible fiscal habits and cut excess spending. For every dollar you save, put the same amount in an interest-bearing savings account. You’ll be elated to learn how quickly the dollars can add up. Here are nine surprisingly easy ways you can get started with saving today:

 Budgeting and Investments

 

Money

    1. Choose the Right Bank

    For starters, you need to make sure you’re working with the right bank. Smaller banks tend to have better interest rates and may even give you some additional perks. It’s not uncommon for banks to offer $50 or $100 bonuses for establishing a new checking account. Seek out these opportunities and you can give your savings account a nice little foundation.

    2. Set a Budget and Stick With It

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    You can’t save if you don’t have a plan. You need to know exactly how much money you’re bringing in each month and how much your set expenses are. Based on this, you can allocate money towards different things and identify places where you can cut back and save. A budgeting tool like EveryDollar or Mint can simplify the budgeting process and keep you honest (they even directly sync with your bank account).

    3. Automate Savings Transfers

    If your bank allows for automated savings transfers, take full advantage of this. What would happen if you decided you were going to have $100 diverted to this account each month. Would you miss it? Odds are you would find a way to do without. Treat this $100 (or increase the amount if you think you can) like a fixed monthly expense – not an optional payment. You may be surprised to find that you’re still able to maintain the same quality of life. After a year, you’ll have more than $1200 stashed away.

    Around the House

    Light Bulb

      4. Cut the Cord 

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      Now that you’ve got your bank account and budget established, it’s time to start saving money and increasing the size of your account. One of the easiest ways to do this is by cutting the cord on cable. Using this handy tool, you can calculate just how much you would save. You can even select which streaming service you would subscribe to in order to replace your cable. Even with a service like Sling TV or Netflix, the average household can expect to save between $40 and $60 a month. That’s between $480 and $720 per year.

      5. Replace Your Light Bulbs

      Did you know that by simply replacing five lightbulbs in your home with energy efficient alternatives you can save $75 per year? Considering that most homes have at least triple that many lightbulbs, you could realistically save $225 each year.

      6. Shop Around for Better Rates 

      When’s the last time you shopped around for a better car insurance rate? Asking for quotes may earn you a better deal. One expert says you can save an estimated $600-$800 annually by merely comparing carriers every two or three years. That’s certainly worth the time and hassle of changing policies.

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      Social and Entertainment

      Cooking

        7. Stop Eating Out

        Every time you eat out, you’re essentially throwing money down the drain. Sure, it’s tasty and fun, but it’s not cost effective. According to a study conducted by a clinical psychologist at Kansas State University, those in the top one percent income bracket spend 30 percent less of their money on eating out at restaurants. That should tell you something right there. For a family of four, cutting back on a single meal per week can save as much as $1500 per year.

        8. Watch Movies at Home

        One of the biggest money wasters is going out to the theater to watch a movie. These days, the average ticket costs anywhere between $10 and $15. For a family of four, that means your night out could cost $60 just to get in the door (not to mention drinks and popcorn). Waiting a few weeks for the movie to come out on DVD is much cheaper. In fact, with providers like Redbox it may only cost $1.99 for the whole family.

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        9. Exercise at Home

        Quick: how much do you spend on your gym membership? Is it $15, $30, $50-plus per month? Most people spend anywhere from $240-$600 annually on gym memberships and fees. While you should definitely stay physically active, there’s no need to spend that kind of money. Take what you would spend in a single year and buy some home equipment. After the first 12 months, you’ll end up saving hundreds of dollars each year.

        You can save money without drastically compromising your lifestyle. In fact, the handful of tips mentioned here could save you thousands of dollars per year. Redirecting that money into your savings account will leave you with a healthy financial security blanket at the end of the year. Don’t wait until tomorrow – it’s time to start saving today!

        Featured photo credit: Paper Money via albumarium.com

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        Schuyler Richardson

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        Last Updated on February 11, 2021

        Want to Get Free Product Samples Like Bloggers and Beauty Gurus Do? Read This.

        Want to Get Free Product Samples Like Bloggers and Beauty Gurus Do? Read This.

        Imagine receiving a regular supply of free samples through your letterbox?

        These free samples by mail could include things such as cleaning products, cosmetics and packaged food.

        Free samples are a great way to try out some of the latest products. One week you may have a new toothpaste to try – the next week you may be snacking on a delicious chocolate cookie sample.

        As the saying goes, variety is the spice of life. And by requesting free samples by mail (I’ll show you how shortly), you’ll have not just variety – but fun too!

        Tell Me More About Getting Free Samples Sent to My Door!

        So, it looks like I’ve caught your interest. That’s great news!

        Just before I introduce you to 10 places where you can get free samples by mail, let me clarify a couple of things.

        Firstly, all the places I’ll talk about are currently active in sending out free samples to consumers. (In other words, no links to out-of-date or dead pages!)

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        Secondly, location is key. If you live in North America, then you’ll have a wide selection of places to sign up to. In other locations (for example, Africa, Asia and Europe), you’ll have fewer choices – but free samples by mail are still a possibility.

        Lastly, to whet your appetite for the freebies, here’s a short list of product examples:

        • Pet food.
        • Beauty products.
        • T-shirts.
        • Greeting cards.
        • Wallets.
        • Snack bars.
        • Vitamins.

        Free Samples by Mail… Tell Me Where to Get Them!

        It’s now time to share my recommendations for the best sites to claim free samples from.

        Let’s start with…

        #1 SampleSource

          This company sends out boxes of 6-12 free samples about four times a year. Products include baby wipes, cereals and tissues. Register with SampleSource to be notified of the availability of their free samples. (Canada and U.S. only.)

          #2 Influenster

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            As their name suggests, Influenster wants to send free samples to you in exchange for you sharing about the products on your social media accounts. Once you’ve become a member (join for free!), they’ll send you a box of free goodies every few months. The more you share pictures and reviews of the products – the more free samples they’ll send you! (All major territories.)

            #3 PINCHme

              This organization will send you free samples in the hope that you’ll then go out and buy the equivalent full-size products. To receive regular boxes of free food, drink and cosmetic samples (and sometimes coupons), then sign up and create your profile. (U.S. only.)

              #4 House Party

                Thinking of throwing a house party? If yes, then be sure to sign up with this company. They’ll send you a box of ‘themed’ products and services that you can hand out at your party. Register with House Party. Wait for the fun freebies to be mailed to you. And then start sending out your party invites! (Worldwide.)

                #5 YoFreeSamples

                  This site is a great resource for a whole host of free samples that can be mailed directly to your door (with no survey requirements!). You’ll find anything from books to perfume, with new offers listed daily. Head over to their site to see what’s currently available. (Mostly U.S., with occasional offers for other countries.)

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                  #6 Magic Freebies

                    The U.K.’s most popular freebie site. Register for their email newsletter, and they’ll send you a daily email with eight free sample offers. These include products such as disposable razors, dog bowls, and even fake tan! So, what are you waiting for? (U.K. only.)

                    #7 SweetFreeStuff

                      Since 2002, this simple site has been linking to the best free sample offers currently available. To get started, sign up to their daily email newsletter, which contains links to the latest offers. As well as free samples, SweetFreeStuff also gives information on coupons and deals. (Worldwide.)

                      #8 Sample A Day

                        Would you like to receive a notification of a new free sample every day? Well, that’s the promise from this site. They claim to thoroughly research all offers, ensuring there are no catches or hidden surveys! From baby products to socks, this site is sure to have something for you. Registration is super-easy. Simply enter your email address. (Australia, Canada, U.K. and U.S. only.)

                        #9 Pretty Thrifty

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                          This site specializes in free beauty products, but also lets you claim free samples such as energy drinks, snack bars, and even magazine subscriptions. Pretty Thrifty has more than 85,000 followers on social media, so clearly knows how to attract free sample hunters. One thing that makes Pretty Thrifty stand out from most of their competitors, is that their email newsletter is available in daily, weekly and monthly formats. (Mostly U.S., with occasional offers for other countries.)

                          #10 CrazyFree

                            My final tip for getting the best free samples by mail, is Australian company CrazyFree. Their funky website offers big brand free sample offers, which currently include items such as Dolce & Gabbana perfume, Coke Zero, and Happy Dog pet food. To claim the offers, select the free samples you would like, and then complete their registration form. (Australia, U.K. and U.S. only.)

                            Receiving regular free samples by mail is a fabulous way of testing out the latest products on the market (and some that aren’t even on the market yet!)

                            You’ll impress your friends and family with all the free stuff you’ll be receiving. And take it from me… it’s a fun, free and rewarding hobby.

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