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Ditch The Excuses: 15 Tips To Quit Spending Your Money

Ditch The Excuses: 15 Tips To Quit Spending Your Money

If you want to spend less money, you’ve got to go about it in the right way. You know you have to save for the future, but how do you make sure that it’s really gonna stick? Unless you have some great ideas and a plan, you might run into trouble. Follow these simple tips to curb your spending.

1. Set Savings Goals

It’s always good to make a plan. Are you saving your money in order to buy a car? Perhaps you just want to pay down those credit card balances. Whatever the case, set your goals. Once you have a clear idea of what you are saving for, you will be prepared to work toward that goal. Think of your goals as a line of defense protecting you from spending inordinately.

2. Plan Your Budget

Keep track of what you are spending, and log daily entries into a budget spreadsheet. Over time, you will see how much you spend every day, week, month, and year. If you need some help, there are many effective budget planners that you can find using a search engine. You can analyze your budget, and pinpoint exactly where your wallet is hemorrhaging. You can also keep track of your income in the same manner – make sure that you are not spending more than you earn! In any case, simply cut out the expenses that aren’t doing anything for your savings, and watch your earnings grow.

3. Balance Before You Spend

Pay all of your bills before you leave the house to go out. When you are unaware of your financial condition, you are more likely to spend money frivolously. When you have a good idea of your finances, however, your awareness will help you when you go out. Balancing your checkbook will provide you with the willpower to avoid spending too much.

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4. Wait Three Days

Whenever you are tempted to make a big purchase, wait three days. While you’re waiting, consider whether or not you need what you want to buy. After the rush of impulse shopping wears off, you will know if it’s something you actually want to purchase.

5. Eat Your Food

Don’t go out to eat. There’s food in your fridge that’s probably better for you, and you will save big bucks by staying home. Check your pantry before you take another trip to the store: you probably have some food in there too. And when you do go to the store, eat before you go – a hungry shopper is a spendy one!  Remember, only go to the store when the food is gone. You’ll take fewer trips and lower your grocery bill, effectively saving you some money in the process.

6. Pack Your Lunch

Many people spend their money daily on expensive restaurants and food trucks. Avoid this trap by making a sack lunch before you leave the house for work. You will eat healthier, and you’ll save a great deal of money by following this tip.

7. Shop With a List

Make a list of what you need to buy before you leave the house. This will galvanize you when you are out – just stick to the list. In this manner, you can easily avoid impulse buys. Just remind yourself that you can’t buy anything that isn’t on the list.

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8. Cancel Catalogs and Emails

Retailers are sending you emails and catalogs all the time. They want you to open them so that you will be mesmerized by their latest deals. Don’t open them! Unsubscribe from these emails (usually there is a link to opt-out right at the bottom of the email). Call retailers that send you catalogs and ask them to remove your name from their mailing lists. In these ways, you can allay your temptation to check out the latest deals (saving you some hard-earned cash!).

9. Hide Away Your Credit Cards

Your credit cards can be your worst enemy when you are striving to save money. Therefore, place them in a spot that isn’t readily available to you. A safe is a good place to start: the credit card won’t be readily accessible, and it takes time to enter the combination. Safes aren’t the only way to stop spending with your credit card. You can try anything that will slow you down when you want to pull out the card.

There are more drastic measures that you can take (especially, if you don’t have a safe). Try wrapping your cards in plastic and burying them in the backyard. Or you can freeze them. Just place the card in a bowl of water and stick it in the ice box. (Put a coin atop the card to keep it from floating.) Next time you need to use your credit card, you will need to thaw it out or dig it back up – very effective deterrents, indeed.

10. Cut Up Your Cards

So the icebox trick didn’t work. Or maybe you’re really good at digging. You somehow managed to spend with your credit cards even after you tried to hide them away. No worries, just cut them up. If you find yourself spending too much with debit cards, cut them up too. No more trips to the ATM on a whim, and no more impulse buying. No credit and no debit means no frivolous spending with your cards.

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11. Borrow Don’t Buy

When money’s tight, think of borrowing what you need. The neighbor’s lawnmower, a tie for a special engagement, your brother’s pickup truck. Remember, you often don’t need to rent or buy anything, especially if it’s for short-term use.

12. Trade & Barter

Many things that you currently own have value. Keep this in mind when you need to buy something: you can trade what you already own! Ask the neighbor if he wants to trade his lawnmower for your chainsaw. You can even barter your own time if necessary, like babysitting your brother’s kids so that you can borrow the truck again.

13. Collect Spare Change

Keep a change jar, and deposit all of the pocket (or purse) change you accrue. Another fun idea, put a label on the jar, like “Ski Trip,” “Disneyland,” or “Sound System.” Whenever you put money into the jar, you’ll feel good for working toward a savings goal.

14. Just Do It

Rather than paying someone else to weed your yard, fluff & fold, or clean your house, go ahead and do it yourself. In the long run, these services aren’t doing much for you. Sure, they’re convenient but they’re going to cost you. The cost for doing it yourself is just a bit of your free time – and your savings will thank you for it.

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15. Consider the True Cost

Whenever you want to make a purchase, consider the “true cost” to you. Find the true cost by calculating how many hours it would take you to earn the money to pay for what you want to buy. For example, if you make $20 per hour and you spend one-hundred dollars to go out and eat, you just spent five hours of work. By effectively converting the monetary figure to an hourly one, it can serve to deter you from making purchases you might regret.

With these simple tips, you’ll find that you can eliminate needless spending and start to grow your savings. It might not be easy at first, but it can be fun! Try thinking of the money in your bank account as your score in a video game – avoid the spendy temptations, incorporate these tips into your buying habits, and rack up those points! Before you know it, you will be heading down the road to reducing your debt and building up your wealth.

Featured photo credit: Money/Public Domain via publicdomainpictures.net

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Last Updated on February 11, 2021

Want to Get Free Product Samples Like Bloggers and Beauty Gurus Do? Read This.

Want to Get Free Product Samples Like Bloggers and Beauty Gurus Do? Read This.

Imagine receiving a regular supply of free samples through your letterbox?

These free samples by mail could include things such as cleaning products, cosmetics and packaged food.

Free samples are a great way to try out some of the latest products. One week you may have a new toothpaste to try – the next week you may be snacking on a delicious chocolate cookie sample.

As the saying goes, variety is the spice of life. And by requesting free samples by mail (I’ll show you how shortly), you’ll have not just variety – but fun too!

Tell Me More About Getting Free Samples Sent to My Door!

So, it looks like I’ve caught your interest. That’s great news!

Just before I introduce you to 10 places where you can get free samples by mail, let me clarify a couple of things.

Firstly, all the places I’ll talk about are currently active in sending out free samples to consumers. (In other words, no links to out-of-date or dead pages!)

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Secondly, location is key. If you live in North America, then you’ll have a wide selection of places to sign up to. In other locations (for example, Africa, Asia and Europe), you’ll have fewer choices – but free samples by mail are still a possibility.

Lastly, to whet your appetite for the freebies, here’s a short list of product examples:

  • Pet food.
  • Beauty products.
  • T-shirts.
  • Greeting cards.
  • Wallets.
  • Snack bars.
  • Vitamins.

Free Samples by Mail… Tell Me Where to Get Them!

It’s now time to share my recommendations for the best sites to claim free samples from.

Let’s start with…

#1 SampleSource

    This company sends out boxes of 6-12 free samples about four times a year. Products include baby wipes, cereals and tissues. Register with SampleSource to be notified of the availability of their free samples. (Canada and U.S. only.)

    #2 Influenster

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      As their name suggests, Influenster wants to send free samples to you in exchange for you sharing about the products on your social media accounts. Once you’ve become a member (join for free!), they’ll send you a box of free goodies every few months. The more you share pictures and reviews of the products – the more free samples they’ll send you! (All major territories.)

      #3 PINCHme

        This organization will send you free samples in the hope that you’ll then go out and buy the equivalent full-size products. To receive regular boxes of free food, drink and cosmetic samples (and sometimes coupons), then sign up and create your profile. (U.S. only.)

        #4 House Party

          Thinking of throwing a house party? If yes, then be sure to sign up with this company. They’ll send you a box of ‘themed’ products and services that you can hand out at your party. Register with House Party. Wait for the fun freebies to be mailed to you. And then start sending out your party invites! (Worldwide.)

          #5 YoFreeSamples

            This site is a great resource for a whole host of free samples that can be mailed directly to your door (with no survey requirements!). You’ll find anything from books to perfume, with new offers listed daily. Head over to their site to see what’s currently available. (Mostly U.S., with occasional offers for other countries.)

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            #6 Magic Freebies

              The U.K.’s most popular freebie site. Register for their email newsletter, and they’ll send you a daily email with eight free sample offers. These include products such as disposable razors, dog bowls, and even fake tan! So, what are you waiting for? (U.K. only.)

              #7 SweetFreeStuff

                Since 2002, this simple site has been linking to the best free sample offers currently available. To get started, sign up to their daily email newsletter, which contains links to the latest offers. As well as free samples, SweetFreeStuff also gives information on coupons and deals. (Worldwide.)

                #8 Sample A Day

                  Would you like to receive a notification of a new free sample every day? Well, that’s the promise from this site. They claim to thoroughly research all offers, ensuring there are no catches or hidden surveys! From baby products to socks, this site is sure to have something for you. Registration is super-easy. Simply enter your email address. (Australia, Canada, U.K. and U.S. only.)

                  #9 Pretty Thrifty

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                    This site specializes in free beauty products, but also lets you claim free samples such as energy drinks, snack bars, and even magazine subscriptions. Pretty Thrifty has more than 85,000 followers on social media, so clearly knows how to attract free sample hunters. One thing that makes Pretty Thrifty stand out from most of their competitors, is that their email newsletter is available in daily, weekly and monthly formats. (Mostly U.S., with occasional offers for other countries.)

                    #10 CrazyFree

                      My final tip for getting the best free samples by mail, is Australian company CrazyFree. Their funky website offers big brand free sample offers, which currently include items such as Dolce & Gabbana perfume, Coke Zero, and Happy Dog pet food. To claim the offers, select the free samples you would like, and then complete their registration form. (Australia, U.K. and U.S. only.)

                      Receiving regular free samples by mail is a fabulous way of testing out the latest products on the market (and some that aren’t even on the market yet!)

                      You’ll impress your friends and family with all the free stuff you’ll be receiving. And take it from me… it’s a fun, free and rewarding hobby.

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