10 Easy Ways to Save Money Right Away

1) Switch from cable to online streaming services.

Do you really use your cable? Online streaming services, such as Netflix and Hulu, are offering more and more programming everyday. On average, switching from cable to one of these services can save you $665 a year.

2) Bring lunch to work instead of going out.

While this may seem like one of the most repeated money saving tips, people still have yet to make the switch! For those of you who still purchase lunch everyday: what are you waiting for?! On average, bringing lunch to work can save people over $1,000 a year.

3) Switch from landline to cellular.

Think about the amount of times a day you use your cellphone to make and receive calls. Now, compare this to the amount of times you use your home phone to do the same. The first number probably exceeds the second (and we’re guessing by a lot). If you weigh the costs and benefits of having a landline, you may come to the conclusion that you no longer need it. By dropping your home phone, you can save hundreds of dollars every year.

4) Pay attention to sales.

We’re not suggesting you take a Black Friday attitude every time you’re out running errands, but being aware of sales that are going on in the stores you shop at will save you time and money. Be conscientious of stores’ sale schedules. For example, Target has specific days of the week that each department marks items down on clearance. If you coordinate your shopping schedule with their markdown schedules, there are an infinite amount of opportunities to save

5) Drop unused expenses.

Now is the time to self-reflect. Are there any memberships or subscriptions that you pay for that you aren’t really using? Maybe it’s a gym membership, magazine subscription, or even an unused Costco membership. If you are not using these services, you shouldn’t be paying for them! Close out these accounts and pocket the extra money.

6) Utilize coupon apps.

We’re not extreme couponers and we never plan to be. But we do love convenient apps that save us money with just a few minutes of our attention. Coupon apps such as Cartwheel for Target and Groupon, as well rewards programs such as Plenti can save you money without wasting your time.

7) Shop around for the best insurance rates.

Yes, insurance is an unavoidable expense. But that doesn’t mean we don’t have an opportunity to save money! Don’t be afraid to shop around and compare insurance rates and find the best deal on the coverage you need.

8) Use a refillable water bottle.

The average American spends over $100 a year on water bottles. One great way to save money (and the environment) is to buy a refillable water bottle. If you’re worried about sacrificing taste, purchase a Brita bottle that filters tap water while you drink.

9) Go generic.

We don’t want you to sacrifice quality, but if there’s an identical cheaper substitute for a product, we are all for it. Start trying out generic versions of household items and see how much it can save you.

10) Form a group to save with you.

It can be tough to make and maintain lifestyle changes. Get together with a group of friends and embark on this journey together! This way, you can hold each other accountable and celebrate each other’s saving success.