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10 Things You Should Stop Doing In 2015 To Save More

10 Things You Should Stop Doing In 2015 To Save More

Was one of your New Year resolutions to save more money in 2015?  After the holidays most people’s bank balances are suffering, but the New Year can be a great time to get hold of your finances and put some money aside.

Check out 10 things you can stop doing to save more money.

1. Stop spending without saving

If you spend a lot of money on one thing, from taxis to coffee to shoes, try using it as a spend and save item. Every time you splurge on your treat, put the exact amount in a savings account too. The best part is you don’t have to give up your vice, but you make savings every time you treat yourself.

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2. Stop shopping without grocery apps

There are various apps available that will help you save money while you do your weekly shop. Try Checkout 51 and Shopmium, apps with special deals and offers. Once you’ve bought your items, take a picture of the receipt and both apps will refund you on any deals you bought.

The savings may only be a couple of dollars, but with every grocery shop you do the money will add up.

3. Stop buying lunch for work

Most people buy their lunch for work to save time, but making your own will give your bank account some serious relief. Store-bought lunches are often much more expensive than the home-made alternative, and over a year the prices can really add up. Save yourself money every week by making your own to bring in with you.

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4. Stop buying coffee daily

While many people feel faint at the idea of tackling a working day without caffeine, switching to the coffee in your kitchen can save you some serious money. Buying one coffee a day may not seem like much, but it adds up over the year.

Try getting your caffeine fix before you leave the house, and taking a Thermos or bottle of tap water with you for the day to cut down costs.

5. Stop spending your wage impulsively

Even though it may seem difficult, most people can afford to put a little money aside each week. From $3 to $30, the amount will add up over 2015 and could put a serious dent in any debt and bills you have at the end of the year.

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Keep your savings in a jar or envelope in a visible place in your house, so you remember to keep adding money to it every week.

6. Stop using your bank card

If you take out money at ATMs throughout the week, you could be spending more than you actually need to. Try working out exactly how much money you need at the beginning of the week, then take it all out and don’t use your card again. This can stop overspending on unnecessary luxuries such as taxis and snacks.

7. Stop spending so much on going out

Going out is a great chance to socialize and let your hair down. However – food, alcohol, taxis, tipping – the truth is that going out is often pricey. Take one week a month where you stay at home and save some money. Invite your friends around for a movie marathon and you will barely even notice your bank account is taking a rest.

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8. Stop letting money flow away without records

Take a week where you write down how much you spend each day, and what on. This is a great way to know exactly how much you spend a week, and if you are spending any money you don’t need to. If you get buses regularly, work out if it would be cheaper for you to get a bus pass. Ask yourself: did I buy anything this week that was a waste of my money?

9. Stop choosing your dinner before you make it

Food can be cheap when you eat at home, but take-out and restaurant costs can more than triple your food budget. Try planning your meals and shopping for the ingredients at the beginning of every week to deter yourself from ordering in.

10. Stop guessing and start calculating

People often struggle to save when they don’t know exactly what they are saving for. Do you want to buy a house, a car, or pay off student debts? Focus on your goals and what you personally want to achieve. When you know what you’re saving for, work out exactly how much you need to save, and how long it will take you to do. Good luck!

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Amy Johnson

Amy is a writer who blogs about relationships and lifestyle advice.

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Last Updated on June 20, 2019

50 Businesses You Can Start In Your Spare Time

50 Businesses You Can Start In Your Spare Time

Most people want a few more dollars in their wallets. But between an employer and family, the time most of us can devote to a second job is severely limited. Running a small side business can provide a few more options: you don’t have to show up at a set time and you can use skills you already have. Not all will be perfect for everyone, of course, and I’m sure that you’ll have a few ideas of your own after reading this list. If you’d like to share any other business ideas, please add them in the comments.

  1. Selling collectibles — From antique books to teddy bears, there are plenty of opportunities to buy and sell collectibles. It’s important to familiarize yourself with the collectible of your choice but if you choose something that you’ve been collecting for a while, you’ve got a head start.
  2. Locating apartments — It can take time to sort through apartment listings, but you can make some money by finding the perfect apartment for a renter.
  3. Baby proofing — New parents often prefer to bring in an expert to make sure their home is safe for a new baby.
  4. Calligraphic writing — If you’ve got elegant handwriting, you can pick up gigs writing or addressing wedding invitations, holiday cards and more.
  5. Selling coupons — Search on eBay for coupons right now and you’ll see thousands of listings for coupons. It’s just a matter of clipping and listing what you find in your Sunday newspaper.
  6. Pet training — A surprising number of people don’t know where to start in training a pet. Even teaching Rover simple commands like ‘Sit’ and ‘Stay’ can bring in a few dollars.
  7. Running errands — A wide variety of people want to outsource their errands, from those folks who aren’t able to leave their homes easily to those who have a busy schedule.
  8. Researching family trees — Amateur genealogists often call in experts, especially to handle research that has to be done in person in a far off place. If you’re willing to go to a local church and copy a few records, you can handle many family tree research requests.
  9. Supplying firewood — The prerequisite for selling firewood is having a source of wood; if you’ve got some land where you can cut down a few trees, you’ve got a head start.
  10. Hauling — As more people trade in their SUVs for compact cars, hauling is becoming more important: people have to rent a truck or hire a hauler for even small loads.
  11. Image consulting — Image consultants provide a wide variety of services, ranging from offering advice on appearance to teaching etiquette.
  12. Menu planning — For many people, the trip up in eating home-cooked or healthy meals is knowing what to prepare. Meal planners set a schedule to solve certain dietary problems.
  13. Microfarming — Cultivating food and flowers on small plots of land allows you to sell produce easily.
  14. Offering notary public services — Notary publics can witness and authenticate documents: a service needed for all sorts of official documents.
  15. Teaching music — If you’re skilled with a musical instrument, you can earn money by offering lessons.
  16. Mystery shopping — Mystery shoppers check the conditions and service at a store and report back to the store’s higher-ups.
  17. Offering research services — Just by reading up on a topic and compiling a report on it can earn you money.
  18. Personal shopping — Personal shoppers typically select gifts, apparel and other products for clients, helping them save time.
  19. Pet breeding — Purebred pets can be quite value, especially if you can verify their pedigree.
  20. Removing snow — During the winter months, shoveling walks can still be a reliable way to earn money. You might be asked to take care of the driveway too.
  21. Utility auditing — As people become environmentally-concious, they want to know just how efficient their homes are. With some simple testing, you can tell them.
  22. Offering web hosting services — Providing server space can be lucrative, particularly if you can provide tech support to your clients.
  23. Cutting lawns — An old standby, cutting lawns and other landscaping services can provide a second income in the summer.
  24. Auctioning items on eBay — Want to get rid of all your old stuff? Stick it up on eBay and auction it off.
  25. Babysitting — Child care of all kinds, from babysitting to nannying, can offer constant opportunities.
  26. Freelance writing — If you’ve got the skills to write clearly, you can sell your pen for everything from blogs to advertising copy.
  27. Selling blog and website themes — Do a little designing on the side? Customers that don’t want to pay full price for a website will often pay for a template or theme.
  28. Offering computer help — Particularly with people new to computers, you can earn money by providing in-home computer help.
  29. Designing websites — It may require a little skilled effort, but designing websites remains a reliable source of income.
  30. Selling stock photography — For shutterbugs, an easy way to put a photography collection to work is to post it to a stock photography site.
  31. Freelance designing — Check with local businesses: you can provide brochures, business cards and other design work and get paid a good fee.
  32. Tutoring — Math and languages reamin the easiest subjects to find tutoring gigs for, but there is demand for other fields as well.
  33. Housesitting / petsitting — Stopping in to check on a house or pet can earn you some money, and maybe even a place to stay.
  34. Building niche websites — If you can put together a site on a very specific topic, you can put targeted ads on it and make money quickly.
  35. Translating — The variety of translating work available is huge: written word, on the spot and more is easy to find even on a part-time basis.
  36. Creating custom crafts — No matter what kind of crafts you make, there’s likely a market for it. Etsy remains one of the easiest places to sell crafts.
  37. Setting up a wi-fi hotspot — With a little bit of equipment, you can set up a wi-fi hotspot and charge your neighbors for the access they’ve been ‘borrowing.’
  38. Selling an e-book — You can write an e-book about almost anything and put it up for sale online.
  39. Affiliate marketing — If you’re willing to market other companies’ products, you can earn a cut of the sales.
  40. Renting out your spare room — From looking for a long-term roommate to listing your guest room on couch surfing sites, that spare room can make you money.
  41. Offering handy man services — Handling small household tasks can provide you with plenty of work, although you’ll probably be expected to have your own tools.
  42. Teaching an online class — Share your expertise through a website, an online seminar or variety of other methods.
  43. Building furniture — For those with the skill to create handmade furniture, selling their creations is often just a matter of advertising.
  44. Providing personal chef services — Personal chefs prepare meals ahead of time for customers, leaving their customers with a full freezer and no mess.
  45. Event planning — From planning corporate events to bar mitzvahs, an event planning business can require plenty of work and offer plenty of pay.
  46. Installing home safety products — Particularly as Baby Boomers age, people able to install handrails and other home safety products are in demand.
  47. Altering / tailoring — If your sewing skills are up to par, altering garments is coming back as people try to stretch more wear out of their clothing.
  48. Offering in-home beauty services — Hair cuts, makeup and other beauty services that can be performed at home have a growing demand.
  49. Business coaching — Helping others to establish and develop their businesses can provide many opportunities to earn money.
  50. Writing resumes — Writing resumes can provide a reliable income, especially if you can put a polish on a client’s credentials.

There are plenty of offers that claim to provide you with the opportunity to make thousands of dollars a week. Unfortunately, none of these businesses will provide that sort of income, but they aren’t scams either. They were chosen because they all require a minimum investment to get started — some require nothing more than a flyer advertising your business. Even better, if you do enjoy any of these businesses, there is a potential with most of them to continue to expand — perhaps even to the point of going full time.

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Featured photo credit: Omar Prestwich via unsplash.com

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