10 Ways to Save Your Money This Year

The first step to saving money is to be honest with yourself about where your money is going
each month. Track your spending over the course of a few months (or years) using an app
like Mint or Personal Capital, and you’ll start to see where your money leaks are coming
from. Maybe you’re blowing all of your extra cash on takeout or coffee every week, or maybe
you’re spending too much on subscription services that you don’t need anymore.

1 | Take advantage of the supermarket discount

If you notice your grocery store offers a discount when you buy X number of items, take
advantage of it, Villacorte says. Some will say 5 percent off if you spend $100 and that can
add up over a month or even year depending on how much you purchase. We should
always be looking for ways to save money without sacrificing our lifestyle. Another helpful
tip?

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2 | Cook more meals at home

Preparing your own meals not only helps keep costs down, but it also may improve your
health. According to a study by Cornell University, people who cook their own meals are
more likely to stick with healthy habits than those who don’t. And if you try some of these
recipes, you might just discover a new love for cooking!

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3 | Shop around for better deals

Before you buy, get a second opinion. What could you do with an extra $200 or $500 in your
bank account? Make it a game to see how much you can save—then save it! But be careful:
Too much bargain-hunting can also waste time and money. Know when enough is enough,
and focus on bigger items that’ll give you greater savings over time.

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4 | Use public transportation (or walk/bike) instead of driving

No matter how much money you make, there’s always room for savings. The average U.S.
household spends $2,900 a year on gas—that’s an average of about $50 per week!
Reducing your commuting costs (gas, parking) can be one way to significantly trim your
budget over time.

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5 | Cash in on interest-free periods

When you’re borrowing money for a new purchase, aim to find a card that offers a lengthy
interest-free period. Ideally, you want an interest-free period of at least six months. For
purchases less than $500, look for cards with a one-month interest-free period, but don’t just
limit yourself to credit cards. Make sure you check out your options when it comes to lines of
credit and personal loans as well.

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6 | Don’t carry credit card debt from month to month

Paying only your minimum credit card balance at the end of each month might be
convenient, but it’s a bad idea. If you pay only that amount on your credit card statement,
you’ll continue to rack up debt every month. If your goal is saving money in 2018, you need
to work toward being able to pay off your entire credit card bill each month and avoid
carrying balances from one billing cycle to another.

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7 | Don’t blow your paycheck

Another one that’s simple, but often overlooked. For example, a car loan can end up costing
you over $1,000 in extra interest if you just make minimum payments for five years. Instead
of taking on debt and paying interest on stuff you don’t really need, try learning how to live
within your means—it might not be as hard as you think. Stick with cash: A lot of Americans
use credit cards to buy gas, groceries or whatever else they need throughout their week.

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8 | Consolidate loans with lower interest rates

One of the most effective ways to save money is by refinancing your loans with a lower
interest rate. Low interest rates, depending on your current loan balance, can reduce how
much you pay monthly and how long it takes you to repay. The best part is that refinancing is
usually easier than you think. All it takes is an internet connection and some patience!

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9 | Avoid late fees by setting up automatic payments

If you haven’t already, consider setting up automatic payments for things like your bills and
savings. You’ll no longer have to deal with late fees or inconveniences; instead, you can
have peace of mind in knowing that you’re paying on time.

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10 | Limit impulse buys

Impulse buys are one of life’s easiest ways to waste money. But by imposing a waiting
period on yourself before you make a purchase, you’ll be able to avoid unnecessary—and
potentially expensive—spending. As Dave Ramsey recommends, try setting a two-hour limit
for every impulse buy; once two hours have passed, it’s time to move on. If you really need
that new smartphone case or pair of shoes, chances are you can wait another day or so for
your purchase.

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