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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

Freelance writer, editor and social media manager.

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Last Updated on August 15, 2018

30 Fun Things You Can Do This Summer Without Spending Much

30 Fun Things You Can Do This Summer Without Spending Much

Summertime can be a real strain on your wallet. The sun is out, there are people to see, places to be; it’s no wonder you might be short of funds during these sunny months. Not everything has to cost you an arm and a leg.

Take some time to go through this list of 20 cheap summer activities and make some realistic goals to complete as many as you can.

Video Summary

1. Visit a strawberry festival

Summer is prime time for tasting strawberries. More often than not, an area that grows strawberries will have a strawberry festival. Indulge yourself in strawberry pies, jams, cakes and more!

2. Have a picnic

Take your partner or your family to the local park and enjoy a relaxing picnic. Designate each person to bring one food item of their choice to add to the fun.

3. Camp in your back yard

    The summer heat can sometimes make it hard to sleep. Why not enjoy the heat outside in the yard? Pitch a tent or gaze into the night sky.

    4. Take long walks

    Discover something new where you live. Take the afternoon off from your chores and go for a long walk. You may be surprised by what you discover.

    5. Break a world record

    Breaking a world record doesn’t have to be time-consuming. You could even break one on your lunch hour. Give it a go!

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    6. Go on a bike ride

    The number of bike paths on roads in big cities has increased dramatically over the years. Take advantage, and enjoy the summer breeze.

    7. Join a gym class

      The gym is not everyone’s idea of a good time, but why not go with a friend a join a class? Spinning, yoga and step classes are always more fun with friends, and a lot of gyms allow you to pay-as-you-go.

      8. Find a new hobby

      The summer is the perfect time to find a new hobby. Serotonin (our body’s natural “happy” hormone) is produced by the sunshine and will be at a yearly high, which is great for when we want to tackle something new.

      9. Join a sports team

      Not all sports teams are competitive and require huge amounts of your time. Join in the fun with like-minded people, get fit, stay healthy and make some friends along the way.

      10. Make a slip ‘n slide

        Gather your friends, some plastic sheeting, a hose, washing up liquid if desired, and make a huge slip ‘n slide just like these guys. Granted, yours won’t be as big, but you get the idea… it’s fun!

        11. Make a treasure hunt for your kids

        Today’s digital world sees our children more often than not playing inside than outside. Why not create a sense of adventure by making a treasure hunt? Only rule? It has to be outside.

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        12. Visit a free festival

        Towns and cities are awash with free festivals, with themes from film to science. Scout your local area and discover something new.

        13. Visit the zoo

          Let’s face it: we love animals. While browsing news websites and social media networks you’re bound to come across a few pictures of cats. Take a trip to your local zoo for a better experience.

          14. Take a road trip

          Enjoy the open road with a few friends and take a road trip somewhere–anywhere. Just go out and enjoy the sunshine!

          15. Play ultimate frisbee in the park

            Frisbee is always great fun down the park, but why not turn it into more of a competitive sport by playing ultimate frisbee?

            16. Make your own ice cream

            Ice cream is a very versatile dessert. Make a sandwich, enjoy a cone, or simply just enjoy a bowl full. Better yet, making your own ice cream allows you to create any flavor you want.

            17. Invite your neighbors over for a BBQ

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              When was the last time you invited your neighbors over? Do you even know them? Now’s your chance. Just ask each person to bring a food item so costs don’t mount up for you.

              18. Get a summer job

              For many students, summer is the time for relaxation and fun. But who said earning money and being productive isn’t fun? You only get out what you put into a situation.

              19. Attend a charity event

              Attending a charity event is a great way to raise funds and awareness for a cause, meet new people, and generally have a good time. Search for your local charity event today.

              20. Visit a national park

              National parks are a great way to explore nature and learn something new. You could even volunteer and make a difference in helping restore natural habitats.

              21. Visit your local comedy club

                Local comedy clubs are extremely underrated. They are cheap to attend and no doubt you’ll have a barrel of laughs.

                22. Make your own hammock

                  Hammocks are very relaxing, are perfect for summer afternoons and are surprisingly easy to make.

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                  23. Read in your new hammock

                  Now you have your very own hammock, the only thing left to do is enjoy it. Grab your favorite book and read to your heart’s content.

                  24. Watch a movie outside

                  Movies are great. Relaxing outside in the evening is great. Put them together and you’ve got a perfect combination. In D.C, Maryland and Virginia this summer, for example, you can enjoy a huge number of movies outside.

                  25. Take a hike

                    Hikes are a great way to keep fit and see more of Mother Nature. There are countless trails available for you to explore. Why not try some this summer?

                    26. Learn how to fly a kite

                    As a child, you probably had a kite and haven’t touched it since. Why not dust it off and attempt to fly it? It’s tricky, but well worth the challenge.

                    27. Work out at the park

                    American cities are full of parks with ample space for a work out session. No doubt you’ll be happier to work out in the sun rather than a crowded gym.

                    28. Take your dog to the beach

                      One of the many joys of owning a dog is taking him or her for long walks during the summertime. This joy is enhanced when visiting the beach, for both you and your dog.

                      29. Make a summer smoothie

                      Healthy, delicious and perfect for the summer. Not only that, there are countless recipes ready for you to try.

                      30. Attend a free yoga session at the beach

                      No experience needed and all skill levels are welcome. Take yourself and a buddy down to the beach and try some yoga. You’ve got nothing to lose!

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