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8 Ways to Eat Healthy Even If You’re on a Budget

8 Ways to Eat Healthy Even If You’re on a Budget

Trying to eat healthy on a budget can be challenging. A lot of the food and recipes you see on websites occasionally require expensive ingredients, and that can be hassle, especially if you have to feed a family. Here are some tips on how to eat healthy even when you’re on a budget.

1. Learn the art of couponing.

eat healthy

    Coupons can save you a ton of money on food every month. It can be difficult to get started because there are so many sources for coupons. Once you get into the flow, it not only gets easier, but you’ll also be able to save money on food that would usually be out of your price range. Here’s a website to help you get started. Some people have boasted that they save up to 50%–90% on food, and when you’re saving that much, you can splurge on more expensive food.

    2. Buy in bulk.

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      It may seem like you’re buying more than you need, but buying in bulk can save you tons of money. At my local grocery store, Giant Eagle, I can get several pounds of frozen veggies for $5 and that can last for weeks depending on how many people you need to feed. You can buy ridiculous amounts of beans and rice on the cheap. The more you buy, the cheaper it gets. Yes, those Rice-A-Roni boxes seem like a deal at $1, but you can buy several pounds of rice for a couple of bucks more. Rice-A-Roni is also packed with sodium and regular rice can be spiced to your tastes.

      3. Prepare to cook the meals.

      eat healthy

        Microwave dinners and precooked food seem like a great idea and a time saver. However, those foods are generally bad for you. Cooking the food yourself may take longer but you can control what goes in it and you can choose to make it healthy. Plus, with all the bulk food you’re getting from our last tip, you’ll have plenty of ingredients to cook.

        4. Buy generic food brands.

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          There comes a point where it’s the same thing in a different box and you’re just paying a premium for the right to say you bought the brand name food. This is especially true for cereal. You can get the same cereal for half off by buying off-brand and they taste pretty much the same. Not all foods are good for you, and that means not all off-brand foods are good for you. However, stuff like low (or no) sugar cereal can be pretty decent.

          5. Stop buying bottled water.

          eat healthy

            Bottled water doesn’t seem like it’s expensive but it adds up. Let’s say you buy only $1 worth of bottled water a day. That’s $350 per year (rounded down). You could easily save that money by using a water pitcher (with a filter) and using a re-usable water bottle. With that extra money, you can go buy more food! Plus, those cheaply made plastic bottles really aren’t good for you.

            6. Obey the psychological rules of grocery shopping.

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            eat healthy

              Grocery shopping isn’t always about the physical things. Sometimes it’s about the mental things. With that in mind, you should attempt to exercise the following tips. You should eat before going to the store because you’re more likely to be pragmatic about your decisions when you’re not hungry. You should shop alone because it cuts down on impulse buys from your kids and your husband/wife. Lastly, you should try to make at least a core list and stick to it.

              7. Stop buying take out all the time.

              eat healthy

                Every time you go eat fast food, order a pizza, order take out, or even drop a dollar in the vending machine, you are undermining your food budget. If you eat out once a week for $10, that’s $520 per year you’re spending on eating out. Don’t get us wrong, it’s good to treat yourself every now and then. However, if you’re reading this then you probably have a tight budget.

                8. Try to grow some of your own food.

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                  Let’s be honest: planting a garden isn’t going to work miracles on your food budget, but it will help a little bit, especially if you plant the right things. Herbs and spices take very little space to grow and you can grow and dry enough to last you for years. Things like peppers and tomatoes are great to grow in most climates and you can use those in almost any food dish. If the garden is big enough, you can grow enough to save yourself a little bit of money. Plus, the stuff you grow is typically going to be good for you. You’re not growing processed foods high in sodium and trans fats.

                  Most people already don’t spend that much on food so we know the budgets are probably pretty tight. Using these tips, you can make your buck go a little bit further and eat less garbage. Your body and your wallet will thank you for it!

                  Featured photo credit: Static via static.squarespace.com

                  More by this author

                  Joseph Hindy

                  A writer, editor, and YouTuber who likes to share about technology and lifestyle tips.

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                  Published on January 8, 2021

                  How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

                  How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

                  Ever wondered whether your credit card debt is the reason you’re in a bad financial situation? You can’t enjoy any fun activities because a good chunk of your money goes toward debt payment. Heck, you’re even behind on some of your monthly bills.

                  The effects of clumsy debt management are too many to list here. This guide is going to help you discover how to pay off credit card debt fast and start chasing your financial goals.

                  Debt problems are the last thing anyone wants to encounter. But things can get out of hand when all the “little debts” you take accumulate in interests.

                  What if you knew some simple and proven ways to be debt-free quickly? Implementing them would mean better financial health for you. It becomes possible to free up cash for your “wants.” These include taking a trip or buying something you’ve always desired. All that while paying your bills on time!

                  Let’s not wait any longer. Here are 7 powerful tips for paying off credit card debt fast:

                  1. Pay More Than the Minimum Credit Card Payments

                  Many people only pay the monthly minimum on their credit cards. Truly, that’s the right amount for staying on good terms with your credit card company. But you need a different approach if you’re looking to achieve financial independence within a short time.[1]

                  Most of your payments go toward interest costs when you only pay the minimum amount. A substantial sum of your balance remains standing. As a result, it becomes more expensive to eliminate your debts.

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                  You don’t want to wait more than 10 years to get rid of debt while it’s possible to do it sooner. All you have to do is double that $100 minimum payment to $200 or go higher.

                  The good thing is that minimum credit card payments are affordable in most cases. By paying a higher amount, you reduce your interest costs, lessen your borrowing period, and boost your credit score.

                  2. Start With High-Interest Credit Card Debt

                  If you have more than one credit card debt, prioritize putting the extra money toward the ones with the highest interests. This debt pay-off strategy, known as the debt avalanche method, is essential for being debt-free quickly.[2]

                  First, you need to list down all the credit card debts you have in the order of their interest rates. Next, you choose the one with the highest interest and pay a significant amount toward it each month. It can be an amount twice or even thrice larger than the minimum payment.

                  At the same time, you make monthly minimum payments on the other debts. Their interest charges won’t be as costly as that of the first debt on your list. You only move on to the next high-interest debt after the first one is gone. Remember that your focus is on the interest rates and not the balances.

                  3. Revisit Your Budget

                  Budgeting is useful for tracking your financial moves. Once you create a budget, some tweaks along the way can make it work for you better. One situation that requires you to revisit your budget is when you’re struggling with debts. It might hurt a bit to slash some expenses. But you also don’t want to miss out on achieving financial freedom in the long run.

                  You can reduce some variable expenses to free up more cash for credit card debt payments. They’re the ones that change from time to time. Some examples are groceries, fuel, and clothing.

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                  Other opportunities for cutting down your spending lie in non-essential expenses. Instead of dining out all the time, you can cook at home more to save money. You can also share some subscriptions with friends and pay a fraction of the cost.

                  If you’re determined enough, you can eliminate all your unnecessary expenses and focus on paying off your credit card debt first.

                  4. Avoid Using Your Credit Cards

                  Do you want to know how to pay off credit card debt with a low income? One simple way is to stop using them. Having your credit cards everywhere you go means that you’ll be more tempted to buy unnecessary stuff. In this case, you spend money that you don’t really own and get deeper into debt.

                  The quickest fix to stop the debt build-up is spending with cash. You’ll be more aware of everything you can afford at any particular time. If you decide to keep one or two cards to ease the transition, always make wise choices. For instance, only use them when experiencing financial difficulties.

                  It’s best to categorize your fun activities under “discretionary spending” in your budget. This way, you won’t need more debt to kill your boredom. By halting your credit debt from accumulating, it’s easy to pay down what you already owe and be happy with the progress.

                  5. Start a Side Hustle to Boost Your Income

                  You’re probably turning away a lot of money by not monetizing your skills. Everyone has something that they’re good at doing. And you can use that to generate extra income for attacking your credit card debt.

                  If you look around your neighborhood, you can find several side hustle opportunities. It can be pet sitting, tutoring, or lawn mowing. You can start an online business by offering services such as digital marketing, content creation, and web development. Such skills go in high demand on freelance sites and job boards.

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                  Finding clients on social media is also a good strategy to utilize your skills and make more money. Facebook groups, Quora Spaces, and subreddits are some places to look for side jobs. You only have to join a niche-specific platform, share your services, and respond to any opportunities.

                  It’s possible to learn a skill, practice it, and earn from it. Use the free resources online or purchase some e-courses to get started.

                  6. Sell Your Used Items for Extra Cash

                  Starting a side hustle isn’t the only way to generate extra money. You can turn unwanted items into cash for paying off credit card debt. Whether it’s an old TV, book, or furniture, there is always someone itching to buy your used stuff.

                  A garage sale, as much as it’s old-fashioned, is perfect for getting your neighbors and passers-by to buy from you. You keep all the money because there are no business permits or taxes involved. While you may not make much cash, it’s better than leaving your stuff to go defunct in your storage.

                  Other than that, you can sell your used stuff on online marketplaces. Facebook groups are great places to start if you want quick approvals and hence sales. You only have to ensure that your listing follows Facebook’s commerce policies.

                  When selling any pre-owned items online, ensure they’re in good shape to avoid problems with your buyers.

                  7. Know When to Seek Help With Your Debt

                  Asking for help with your credit card debt can be challenging to do. But letting it drown you is a road you don’t want to take. While you may feel embarrassed at first, it’s the best way to get back on track when you run out of options.

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                  There are tons of non-profit credit counseling organizations that can offer you free guidance on how to escape the debt trap. An example is The National Foundation for Credit Counseling. They simply review your finances and help you determine the source of your financial problems. After that, they match you with an actionable debt management solution.[3]

                  In extreme cases, the debt solution can be:

                  • Debt relief – where your debt is partially or wholly forgiven
                  • Debt consolidation – taking out one loan to repay others
                  • Debt settlement – the creditor forgives a significant portion of your debt
                  • Bankruptcy – legal process for seeking relief from some or all your debts

                  It’s necessary to carefully weigh your options before deciding on the way to go. Find out how it might affect your credit score and any other risks.

                  Wrapping It Up

                  Debt is a major setback when you’re trying to prosper in life. Paying off credit card debt is essential if you want to reach your financial goals. That means having more free income, a good credit card score, and even a chance to retire early. You become more productive each day because of the peace in your mind.

                  So, you now have some tips on how to pay off credit fast. Go ahead and get rid of that good life progress killer!

                  More Tips on How to Pay Off Debt

                  Featured photo credit: rupixen.com via unsplash.com

                  Reference

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