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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

        Content Writer

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        Last Updated on July 4, 2019

        25 Killer Sites For Free Online Education

        25 Killer Sites For Free Online Education

        Whether you’re five or ninety five, the internet has a lot to offer. Particularly when the topic is education, the resources on the internet are endless.

        Best of all, many high quality sites are completely free. From history to coding, excellent free online education awaits on the following 25 sites.

        1. Coursera

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          Coursera is a website that partners with universities and organizations around the world. This brings a wide variety of topics and perspectives to one searchable database.

          Coursera is a powerful tool for free online education, and includes courses from many top universities, museums and trusts. This gives the site an extremely wide range of in-depth courses.

          Coursera is extremely useful if you’re looking to study many different topics, or want courses from different schools and groups.

          2. Khan Academy

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            Partnering with many post secondary schools, Khan Academy offers a useable, well organized interface. Also curating many courses from around the web, Khan Academy offers impressive depth on many different subjects.

            Among the more well known educational sites, Khan Academy is also incredibly useable, which may make it easier to keep learning goals.

            3. Open Culture Online Courses

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              If you are struggling to find exactly the material you are looking for, try Open Culture’s listing of free online education courses. The page highlights 1000 lectures, videos and podcasts from universities around the world. The site features a lot of material found only on universities private sites, all in easy to browse categories. This means you can find hundreds of university courses, without having to visit and search each university’s own site.

              Open Culture’s list features courses from England, Australia, Wales and many state universities around the United States. A very helpful resource for finding many courses in one area of study.

              4. Udemy 

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                Udemy’s free courses are similar in concept to Coursera’s but additionally allows users to build custom courses from lessons.

                Working with many top professors and schools, the site mixes the customizable platform of other sites with a heavy emphasis on top quality content. This is another site however, that mixes free and paid content.

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                5. Academic Earth

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                  Another site with courses from many different schools is Academic Earth. Much like the three sites above, Academic Earth brings together top notch courses from many different sources, and focuses on offering a wide variety of subjects.

                  Academic Earth lists courses by subject and school, so it might be easier to find what you’re looking for.

                  6. edX

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                    Another great option for free online education is edX. Also bringing together courses from many different schools, the site has impressive, quality information for everyone. edX covers a great range of topics.

                    7. Alison

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                      Unlike the previous sites on this lists, Alison is a free education site offering certification in some areas. Alison offers courses mainly in business, technology, and health, but also includes language learning courses.

                      It’s a great option if users need certification for their learning as Alison also offers school curriculum courses.

                      8. iTunesU Free Courses

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                        A very convenient place for free online education is iTunesU, because it integrates seamlessly with your iPod, or any app-ready Apple mobile device. On iPad, iPhone, or iPod touch, users download the iTunesU app.

                        Desktop users can access  iTunesU on the upper right hand corner of the iTunes Store. iTunesU is also convenient because the store is categorized much like iTunes.

                        Users can search learning materials in many different ways, including genre and topic. However, courses are often a mix of free podcasts or videos, and paid content.

                        ITunesU does include courses on a pretty wide scope of topics, but does not integrate with Android, Google or Windows mobile devices.

                        9. Stanford Online

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                          Your hub for all the online offerings from Stanford University, Stanford Online offers self-paced and session based courses. While Coursera features some courses from Stanford, many classes are only available via other hosts. Some courses require iTunes, but most are completed in your web browser.

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                          Stanford Online is a great site for high quality courses, though the topics are somewhat limited compared to sites partnered with more than one school.

                          10. Harvard Extension

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                            Like Stanford Online, Harvard Extension features free online education courses from Harvard only. This is another excellent source for top notch course material, though the course variety is less rich than multi-school sites.

                            Additionally, Harvard Extension allows you to search for courses by professional certificate. This makes it much easier if your online education goal includes certification.

                            11. Open Yale Courses

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                              Open Yale Courses echoes Harvard Extension and Stanford Online, in that it offers only courses from Yale. While the site is similarly limited to topics taught at the school, Open Yale Courses offers a lot of videos of actual campus lectures. The availability of videos makes the site a great option if you’re looking for quality courses, but learn better by watching than by reading.

                              12. UC Berkeley Class Central

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                                Much like the other schools on this list, UC Berkeley has a variety of free online education options. The school has slightly fewer courses than the schools above, but includes some supplementary lectures, webcasts and RSS Feeds, making it easy to keep up with the topics you choose.

                                13. MIT OpenCourseWare

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                                  Similarly, MIT offers a variety of free courses. The school has a comparable number of courses to the schools above, plus includes very in-depth course materials on the subjects available. MIT also offers free RSS feeds, a convenient way to continue learning.

                                  14. Carnegie Mellon Open Learning Initiative

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                                    Carnegie Mellon’s free online education site is comparable with the other school’s on this list, however, Open Learning Initiative also covers a smaller range of topics. But for the topics that are covered impressive, in-depth material is available.

                                    15. Codecademy

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                                      Codecademy is a website dedicated specifically to teaching coding. Where other coding sites follow an example/practice session workflow, Codecademy includes a live practice window. This means you can practice coding while still viewing the lesson material.

                                      The courses at Codecademy are well written and easy to follow and the website is organized very nicely. Codecademy features a centralized dashboard where you can monitor your progress, plus organizes lessons into complete modules. This lets you learn an entire language without needing to pick the next course manually.

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                                      16. Code

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                                        Code is another website focused on coding and app writing. A site with high quality courses, Code also features learning options for kids.

                                        In addition to kid friendly courses, Code offers free online education classes on a wide variety of technology topics. These classes include app writing, robotics and Javascript.

                                        Most of the courses are also geared in a such a way that they can be useful in a classroom setting. This makes Code a great resource for harder to find coding topics, as well as various learning settings.

                                        17. University of London Podcasts

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                                          The podcast page on the University of London website is another great source for free education. While the courses are limited to podcasts, the site features podcasts from it’s own campus, as well as eleven universities in and around London. This gives learners a wide base of topics and lectures, but still ensures in-depth material.

                                          18. University of Oxford Podcasts

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                                            Similar to the University of London, the University of Oxford features many different podcasts. Most are public lecture series or lectures from visiting professors, with several different recordings available.

                                            The advantage to this particular site is that podcasts are organized into series, making it easy to subscribe to multiple lectures on one topic. Another good site for thoroughly in-depth lectures.

                                            19. BBC Podcasts

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                                              For the more casual learner, the BBC offers a wide variety of podcasts on many different topics. Most podcasts are updated weekly, and focus on everything from finance, to sports, to current events.

                                              Through the World Service line of podcasts, there are also many in different languages. The focus of these podcasts are less in-depth and theory based, which may be more accessible to the average person.

                                              20. TED-Ed

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                                                Another great destination for more general learning is TED-Ed. From the same people that brought you the all encompassing, motivational web series, comes a site chocked full of educational videos. Most include impressive animation, and all are ten minutes long or less.

                                                Not only is TED-Ed an excellent site for the curious, it also includes supplemental materials and quizzes on the videos. This makes the site extremely useful in formal education settings, as well as in entertaining ways to brush up on new discoveries and topics.

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                                                21. LessonPaths

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                                                  LessonPaths is another great tool for those looking for a more usable and convenient way to access learning material. On this site, users create link playlists of their favorite learning materials from other sites. Users then rank these collections, making it easy to find many different high quality, accessible sources on a given topic.

                                                  22. Memrise

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                                                    Another impressive free online education site offering ease of use and convenience is Memrise. Available both on desktop and as an app, Memrise is a particularly powerful tool if you are studying a language. The site encompasses many other topics as well, though some of the course material is user generated content.

                                                    Part of what makes Memrise special is their integration of games into the learning materials, mixing learning with entertainment.

                                                    23. National Geographic Kids

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                                                      The kids site for National Geographic is another site that makes free online education applicable for younger users. For those looking for kid friendly education, a large variety of games, puzzles, videos and photos keeps kids interested on this site.

                                                      National Geographic Kids doesn’t organize learning into courses, making materials available by topic and medium instead. This makes National Geographic Kids a good option for those looking for a more casual learning environment.

                                                      24. Fun Brain

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                                                        Fun Brain is another good option for kids who want to learn online, but focuses on games and fun puzzles. Particularly focused on math and reading, Fun Brain’s game based approach can be valuable if the child in question struggles to pay attention.

                                                        Fun Brain offers rewards and challenges as well, and is another site aimed at a casual learning experience for kids K-8.

                                                        25. Whyville

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                                                          Similar to the sites for kids free online education is Whyville a destination for preteen online learning. The site includes a variety of social features, with a focus on learning materials geared for young teens.

                                                          Whyville also mixes in educational games, to make the site a well rounded option for kids too old for simple games, but too young for heavy reading based material.

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                                                          Featured photo credit: Dai KE via unsplash.com

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