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How Saving Money Is Still Possible Even If You’re on a Tight Budget

How Saving Money Is Still Possible Even If You’re on a Tight Budget

We have all been there. Checking our bank accounts obsessively, fruitlessly hoping that money will just show up. Maybe you’re in the midst of a job transition, or maybe you don’t have a steady job at all. Whether you make your money through odd-jobs, a steady salary or part time work, there is a way to save money, despite the budget.

It’s scary, right? Trying to make ends meet while not turning into a recluse and always having to make up excuses while you can’t go out. You can start to feel like a bad friend and a lame person. But that’s just not the truth. We’ve all struggled with money, despite our age or profession. It takes time, effort and a whole lot of patience and self-forgiveness before you can figure out the right way to save. But there is hope!

When You Get Money in Your Account, Pay Yourself First

Even if you don’t earn much at the moment, there is no excuse of spending more than you save. Have you ever heard the expression, “Pay yourself first?” Whether you have a salary in which you automatically contribute a percentage of your paycheck to a 401k or your savings account, or even an old-school piggy bank where you store loose change, it’s so important to pay yourself (aka: put some money aside) before you spend on anything else. And if you use the solutions below, it can be easier than you think.

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Saving Money Can Be Easier Than You Think If You Do These 8 Things Regularly

1. Negotiate new rates and fees

This one can be scary for people who aren’t used to asking for things, but it’s so important and it really does work. I hate owning credit cards, but with an upcoming wedding, it’s sort of a necessary evil for me. But I was really sick of the high APR on the card I used often because I had been a long time customer and always paid more than minimum. Once I had paid the card off, I called and told them they would either lower my interest, or I would take my business elsewhere. Guess which one they chose?

You can also do this with utility bills. Call the companies and ask if they can work with you on the fees. If not, threaten to go to their competition. Don’t be hateful, I’m not encouraging you to start fights, but stand your ground and let them know you’re willing to pay someone else.[1]

2. Unplug the unused electronics (It’s not only an environmentally-friendly practice!)

Well, unplug all the electronics in your house. Did you know that if something is plugged in, regardless of whether or not it’s being used, it’s still sucking up energy and increasing your bills? So unplug your phone charger, the blender, the coffee machine, the TV, your computer charger…. you get the point. You’ll be amazed at what you start to save.

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3. Draft a list before you go shopping

Everyone knows to avoid grocery shopping when they’re hungry. It’s a sure way to buy way more than you intended, all because of your growling tummy. But the same thing happens when you don’t have a list/you don’t stick to your list. Plan ahead and stick to your shopping plan. More so, buy in bulk for cheaper prices and download some grocery store rebate apps on your phone!

4. Balance your checkbook

I know, I know, I sound like your parent. But balancing your checkbook is a great way to know how much money you actually have. Financial apps, like the one your bank no doubt offers, are great, but they aren’t always current to the minute. This can lead to hefty overdraft fees if you aren’t paying attention and spend more than you have. Seriously. Do it.[2]

5. Use cash before your card

The budget I created for myself involves reserving envelopes of cash for specific things. For instance, $200 specifically for groceries, $50 for restaurants/coffee shops and $25 for miscellaneous. I would only spend according to those envelopes, and if I ran out of cash, then I’ve spent all I can. Too bad. This is done in hopes of having a certain amount leftover at the end of the month to be put directly into my savings account. While it isn’t always realistic/smart/safe to carry around envelopes of cash, the idea is a good one. Really limit yourself to what you want to spend, and use cash before your card. There’s something about the feeling of handing over paper money that hurts a lot more than swiping some plastic.

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6. Bank on other people’s poor spending habits

You know that one friend you have who is always spending money on the latest trend and winds up with a box of stuff he/she no longer wears? Maybe they donate it as a tax write-off, or maybe they just throw it out. Tell them you want it instead! You’ll have a constantly changing wardrobe and it won’t cost you a dime! If you don’t have a friend like this, then buy used in general. Thrifting used to be taboo, but now second-hand is all the rage. eBay, Poshmark, ThreadUp and more are all great options to get new items for less.[3]

7. Get a programmable thermostat

This is one of those options that requires you to spend some money in order to save it, but for around $40, you can get a basic model and cut your energy bills by 15% ($45 a month!!). Some of these apps even sync to your phone, so you can adjust the temperature from anywhere. That’s a great feature for someone like me who constantly forgets to set it to 78* before leaving in the morning!

8. Pack your lunch

It can be so tempting to go to lunch nearby every day, especially if you work in the city. But have you ever calculated what you spend in a week on lunch or coffee? It’s sickening! If you go out to lunch 5 times a week, pack your lunch three times next week and see how much you save. You’ll be shocked and your bank account will thank you!

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So what do you think? Doable, right? I told you. Have other money-saving tips not mentioned here? Make sure to share!

Reference

More by this author

Heather Poole

Heather shares about everyday lifestyle tips on Lifehack.

How To Find Your Personal Values For Living a Fulfilling Life The 7 Types of Learners: What Kind of Learner Am I? What If All the Choices You Make Every Day Aren’t What You Need Most? What To Eat (And Not To Eat) When You Are Suffering From Inflammation! Yes Life Can Be Boring Sometimes. But There’re Some Tricks to Make It More Interesting

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Last Updated on July 29, 2020

19 Best Mac Apps for Productivity You Need in 2020

19 Best Mac Apps for Productivity You Need in 2020

Whether you use your Mac for work or just for your personal projects, you’ve likely found yourself wondering how to improve your productivity. There are only so many hours in a day, and so much mental stamina you can muster before you run out.

There are dozens of tricks you can use to improve your own productivity and outlook, but if you’re looking for a more objective, comprehensive fix, the best thing to do is equip your Mac with productivity apps designed to help you do more in less time.

This Lifehack-exclusive list has some of the best productivity apps to help you feel less tired, improve your energy, and ultimately help you get more done every day:

1. Todoist

    Available for all iOS devices, Todoist is a note-taking and organization app that can keep you on top of all your projects—both personal and professional.

    Its best features are all free to use, including browser extensions, task creation, and interactive boards you can use to organize all your notes.

    If you want to pay the optional $29 yearly fee, you can get even more advanced features like backups and automatic reminders. Even with the free version, you’ll stay far more organized.

    Download: Todoist

    2. 1Password

      You may not realize it, but you probably spend a ton of time recalling your passwords, especially if and when you forget one to an app you use on a regular basis.

      1Password is an app for Mac that saves and remembers all your passwords for you in one place, so you can access all your favorite sites with a single click.

      You’ll save time and keep all your accounts secure simultaneously. A personal plan is $2.99 per month.

      Download: 1Password

      3. Bear

        Bear is a unique kind of note-taking app designed to make it easier for Mac users to jot down notes on the go. With it, you can create to-do lists, give yourself reminders, and outline concepts for future brainstorming sessions.

        It comes with many different inline styles so you can customize your notes to your personal preferences, and remember the context in which you wrote them. The core version is free, with a $14.99 per year version available as well.

        Download: Bear

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        4. Hazel

          Hazel by noodlesoft is an automated organization tool designed for Mac that will help you automatically organize your files based on any custom rules you want to create.

          For example, you can set it to move untouched items from one folder into another folder labeled “action items” if they haven’t been addressed within a week. It can save you hours of organization over the course of a few weeks. A single license is a flat $32.

          Download: noodlesoft

          5. Alfred

            Alfred is an all-in-one app designed to save you time with Mac shortcuts and convenient custom actions. You can use it in a variety of ways.

            For example, you can access Alfred’s clipboard memory so you don’t copy and paste the same material over and over, or set up custom workflows to automate some of your most repetitive tasks.

            It’s a paid app, with multiple price points based on the features you desire.

            Download: Alfred

            6. TextExpander

              TextExpander does exactly what the name suggests; it allows you to type a short snippet of text, and expand that text automatically.

              For example, you can create a custom expansion that allows you to conjure a full paragraph you type repeatedly by simply typing a unique abbreviation. Once you get used to your custom combinations, you’ll spare your fingers from typing thousands of words.

              An individual account is $3.33 per month.

              Download: TextExpander

              7. Backblaze

                If you’ve ever experienced a crash, or theft of your Mac, you know how much time a system restore can cost you. You’ll spend hours replacing the files you lost, and lose thousands of files that are irreplaceable.

                Backblaze is an automated, inexpensive way to back up your entire Mac for just $5 a month.

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                Download: Backblaze

                8. Keyboard Maestro

                  Keyboard Maestro is an older app that still has the power to make your life easier. With it, you can automate any number of tasks based on a certain trigger (such as a hotkey combination, or an event like connecting to a wireless network). A single license only costs $36.

                  Download: Keyboard Maestro

                  9. Snagit

                    There are many applications for a good screen-capture app, whether you’re trying to illustrate a tech problem you have or just want to make an interesting meme. Snagit makes it easy, with built-in editing for both still images and video. A single license covers two machines, and costs $49.95.

                    Download: TechSmith/Snagit

                    10. Bartender

                      Bartender is the cleverly-named app that helps you clean up and organize all your menu bar icons. You can also access them quickly with keyboard shortcuts.

                      If you’re like most Mac users, those icons get cluttered quickly and stop you from working efficiently. It’s free to try for 4 weeks, after which you’ll need a $15 license.

                      Download: Bartender

                      11. Otter

                      Otter is the Mac app for the note taker who hates typing. It’s an intelligent voice-recognition system and note-taking app that will help you transcribe your conversations, keep notes during meetings, and even take contextual notes to yourself in your own time.

                      Best of all, it’s free to get started!

                      Download: Otter

                      12. Flux

                        Do you often find yourself feeling tired throughout the day, or feeling unable to get to sleep after a day of staring at your computer? That could be because of the unnatural blue light that radiates from your Mac.

                        Flux naturally adapts your display to emit light that matches the time of day, so you can sleep better and feel less tired. It’s also free!

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                        Download: Flux

                        13. PDFpen

                        If you deal with PDFs on a regular basis, you probably find yourself wishing for some kind of tool that can let you mark up those PDFs however you want. Without a dedicated app like PDFpen, this can be difficult.

                        PDFpen lets you edit PDFs in almost any conceivable way, giving you more power and saving you time. A single license is $74.95.

                        Download: Smile Software/PDFpen

                        14. OmniFocus

                          OmniFocus is all about task management. It has a clean interface that allows you to tag your tasks, schedule events, and even automate certain features.

                          It’s one of the most comprehensive solutions on the market, so there’s a bit of a learning curve to get the most out of it.

                          A standard license is $39.99, while the pro version is $79.99.

                          Download: OmniFocus

                          15. Franz

                            It’s tiring to switch between dozens of different chat programs like Facebook Messenger, Slack, and WhatsApp, whenever you want to have a conversation with a different contact.

                            Franz’s solution is simple; offer access to all these apps in one convenient package. And best of all, it’s completely open source.

                            Download: Franz

                            16. MindNode

                              If you’re the brainstorming type, you need an app like MindNode to help you efficiently organize your thoughts. There are dozens of tools you can use to connect ideas in a mind map, or simply jot down notes for future reference.

                              The core app is free, with in-app purchases available.

                              Download: MindNode

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                              17. Focus

                                The internet is a wonderful thing, but it can be awfully distracting. And if you’re like the majority of us, you’ve interrupted work on a project because of some attention-grabbing site or bad online habit. That’s where Focus comes in.

                                This app allows you to block the worst offenders with custom time limits and other constraints, so you can focus on the task at hand. A single license is $19.99.

                                Download: Focus

                                18. CleanMyMac

                                  Chances are, your Mac isn’t working as fast as it could, thanks to gigabytes of clutter and unnecessary files on your system. CleanMyMac helps you scan your Mac, monitor its health, and ultimately clean it up—so you can handle all your tasks that extra bit faster. A single license is $39.95.

                                  Download: CleanMyMac

                                  19. Grammarly

                                    A spelling error or grammatical mistake can cost you big time. It could be the source of a worse grade on a big paper, or compromise your credibility in the workplace. Thankfully, Grammarly can help you.

                                    This Mac-integrated writing assistant monitors all your writing and makes live corrections, so you’re alerted to your potential mistakes before they become permanent.

                                    A free version exists, but the premium version will cost you between $11 and $30 a month, depending on how you pay.

                                    Download: Grammarly

                                    The Bottom Line

                                    These productivity apps should help you squeeze more productive hours out of every day, but they aren’t the only tools you’ll have to help you find success.

                                    Make the time to learn about and experiment with all the life hacks that can make you more productive. By improving your devices as well as your outlook and focus, you’ll be able to get far more done in a day, and feel better doing it.

                                    More to Boost Productivity

                                    Featured photo credit: Patrick Ward via unsplash.com

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