How do you save money every day?

@GemmaR (8526)
October 9, 2012 1:56pm CST
We all want to make extra money in our lives, but sometimes it might be easier to think of a way that we can cut back on our spending rather than just thinking about the things that we can do to make more money. One of the things that I have started doing is making sure that I have planned all of my meals in advance because that means that I won't waste any of the food that I had bought without thinking about which meal I was going to use it for. What are your tips for saving money every day of your life? Do you have anything to recommend that would help me?
2 people like this
18 responses
• China
10 Oct 12
Yes,we ought to strike a proper balance between increasing income and cutting down expenditure.Sometimes,the latter is more important.My wife runs the house and scrimps and scrapes .She always stretches money to keep within a budget.
@GemmaR (8526)
12 Oct 12
I think that there is much more scope for people to cut back on the amount that they're spending rather than being able to increase their income. The problem with increasing the amount that you're earning is that not a lot of companies are taking on more staff or giving more hours at the moment and that means that there isn't much chance for anybody to earn more money. So it seems as though it would be a much better idea to be able to save where you can as there is something that everybody can do in their own home if they should want to.
• China
13 Oct 12
I agree ,nowadays it is hard to make more money owing to global recession.In addition,prices have gone sky-high,so most people are finding it increasingly difficult to live on their wages.
@dorannmwin (36698)
• United States
12 Oct 12
Menu planning is definitely one of the best things that you can do in order to save money in your household budget. Another important thing that you can do in order to save money is to make sure that you turn off lights when you are not in the room and also unplug things that you aren't using at a given time. These are invisible energy hogs and not having those wasting your energy will save you money. You won't notice this on a daily basis, but when you get your bill, you will see the difference.
@GemmaR (8526)
12 Oct 12
I have heard that having an appliance on standby uses almost as much energy as it would if it was properly on. I will admit that I have never been the best at switching things off at the plug when I am done with them. For example when I have charged my phone I will usually just unplug it at the phone and then leave the plug on until the next time that I need it again. I do think that this is probably a habit that I should get myself into as it makes a lot of sense to be able to save money on everything if there is any way that you can do so.
@katie0 (5212)
• Japan
10 Oct 12
Turning the lights off, making homemade everything I can, buying local, going Vegan, recycling things like pots (to not buy new containers for example), turning the computer off as soon I'm not gonna use for the next 30 minutes, turning the air conditioner off all the time, only when it's unberable do I turn it on... Many things I guess.
@GemmaR (8526)
12 Oct 12
It's good to get into the habit of turning the lights off when you leave a room without a doubt. I often find myself sitting watching the television with the lights on even though I don't really need to see anything. This is something that I am trying to sort out at the moment because energy bills are at an all time high and everyone should be doing their best to save energy. I have never thought about going vegan, but I will admit that I don't tend to eat all that much meat and that is mostly to do with the cost of it.
@ASHUDEEP (1774)
• India
10 Oct 12
hi friend today's life really become very fast and expensive and it is really hard to save money from our daily routine but always i try my best to save more and more money so that i am able to use it on some right time so friend i do not waste my money on useless things .
@GemmaR (8526)
12 Oct 12
I know that there are a lot of people who tend to spend their money on things that they don't need. When I was younger and used to go shopping around my home town a lot I would always buy things and then wonder later in the evening why I had done so because I didn't really need them. I am a lot more sensible now when it comes to that, and I know that the only reason that I would ever buy something would be because I knew that I needed it, and because I knew that I was going to have a use for it in every day life.
@babyeve (1051)
• Seychelles
10 Oct 12
I save money by avoiding to go shopping all the time. Staying at home watching series rather than going out with friends. I bring my home-made sandwich and lunch at work and only pay for bus fares. I stay in the office rather than going to shops during breaks with working colleagues or I go to the gym during lunchtime. I always buy things that are on sales, I like to buy things that on sale on online sites too.
@GemmaR (8526)
12 Oct 12
I agree that trying to avoid going shopping wherever possible is a good thing when you're trying to save money. I know that when I went shopping yesterday I ended up spending a ridiculous amount of money that I wouldn't have spent if somebody hadn't have asked me to go shopping with them. Taking a sandwich to work is also a brilliant idea as that means that you don't have to bother spending any money at all on the things while you're at work. Sales are fantastic as you can get things at cut prices that you would normally have spent a lot more on.
• China
10 Oct 12
I think make a full and clearly plan for your regular cost quite necessary,then you can avoid those unnecessary spending.Make everything under your control. And the most important thing is not to make the plan but to execute your plan.
@GemmaR (8526)
12 Oct 12
Definitely having a plan is very important in being able to save. I have always been the type of person who has to write everything down when I earn it or spend it, so I always know the exactly amount of money that I would have to spend for that month. When I write things down then this is good because it also means that I am able to see exactly what are the things that I am wasting my money on, and that means that I can always think about cutting back further based on the things that crop up too often on the lists that I write.
• Philippines
10 Oct 12
I'm having a hard time saving my money. Because I used to spend my money for foods when I'm hungry,. And I really cannot really avoid my hunger. :)
@GemmaR (8526)
12 Oct 12
Obviously you have to be able to buy food, but you don't actually have to spend all that much money on it if you don't want to. Things like pasta can be bought for as little as 10p per portion, and cereals the same. If you bought things in bulk like that then you would probably find that they would last you a couple of weeks and you wouldn't have to go food shopping again. It is more expensive if you choose to get takeaways all the time, but there are much better and healthier ways to go about cooking your food which also happen to be cheaper as well.
• Philippines
10 Oct 12
Try having a handy dandy notebook to jot down all your everyday expenses in a categorical manner. When I say ALL I really mean ALL. You can't miss every centavo because without it just like in accounting firms, the balance sheet will not be balanced. It's a good practice as well because from there you will see your actual expenditures. No need to wonder where you have spent it big time. Also you can use it to check where you can cut down your expenses especially during crucial times where you need to have big savings.
@GemmaR (8526)
12 Oct 12
I am actually quite good at keeping accounts in that way. It's something I've done since I was really young; writing things down when I am saving up for something so I know exactly how much there is to go and things like that. I know exactly the amount of money that go out of my account, and also know exactly how much I will receive into my account every month as well. I think it's really helpful to be able to do that as you can see for sure if there's anywhere you could cut back or make an improvement on how much you're able to save.
@airasheila (5459)
• Philippines
10 Oct 12
Good day GemmaR, Indeed, it is quite difficult to save money especially if you are earning big every time you receive your salary. Hence, the tendency is, you delay doing your savings since you are aware that there is another salary that you will receive on the next payday period. So as a result, you cannot start saving your money now. In this regard, perhaps it will be best if you try to save a penny out from your change. Example if you bought some goods or grocery items, the change from that can be kept and serve as a form of savings. And this is what I am doing. Since, those change are in the form of coins, so I am putting them all in a coin bank. Thus, it will be easy to save money by saving some of your change today.
@GemmaR (8526)
12 Oct 12
I have a large coin holder at home, and I always put my change in there when I get back from the shops. I have done that since I was a child, and obviously I get a lot more in it now that I do more shopping for the family and things like that. I always take the change out before Christmas and use it to go Christmas food shopping in the supermarket. We have a self service check out where we are able to simply pour in our change, and it is very easy to use all of the loose change in that if we want to so it is basically like getting an entire shop for free.
@suspenseful (40316)
• Canada
10 Oct 12
I go for walks every day and I always want to go to the Mall or Walmart to get something even if something I want, so what I do is I stop and go back home before crossing the street to the Mall. Also if you shop for groceries once a week instead of every day or two. You can take advantage of sales and double coupon. That does help, but be sure that you use coupons on the things that you normally buy. Use dish clothes rather then paper towels to wipe the counters. You can use vinegar instead of rinse aid in the dishwasher. Those are a few things that might help.
@GemmaR (8526)
12 Oct 12
I have found that shopping weekly rather than every couple of days really does help me as well. Because even if I do buy myself a couple of treats at least I will only be doing it every week instead of every other day. I have only ever used dish cloths for wiping the sides, as I hate to use paper towels because I have always thought that they were bad for the environment. I also don't use a dishwasher because they take a lot of energy, so one of the ways that I try to save money is by doing all of the washing up by hand.
@marguicha (94915)
• Chile
10 Oct 12
I absolutly agree with you about that. I know for sure that in my case it is more important to cut back my expenses than to seek ways to earn money. I have made a list at Excell of all the food I need at the super. Before going to the supermarket, I check what I have and only buy what I need. Any extras I bouy have to be bought knowing that they are luxuries. That way, there are many times that I want to buy a couple of extra items, but I have to decide to take out just one. Bills is another way to cut back costs. I don`t have light on everywhere: I only have lights where I am currently. I use warmer clothes in Winter and spend less in heating the house. People have gotten acostumed to being too comfortable in Summer or Winter with AC ot central heating. I don`t have either. That helps, as long as it is posible where you live.
@GemmaR (8526)
12 Oct 12
I think that it is a very good idea to make a list of the things that you need for certain meals so that you know exactly what it is that you need to buy. It is just coming into winter in my country right now and the prices to heat the house are going up very high. Because of this I am also trying to wear warmer clothes around the house as I honestly think that it would help us to not put the heating on as much. It is much easier to buy some warmer clothes and it is a lot cheaper than it would have been to sit with the fire on for the whole of the evening.
@zandi458 (27952)
• Malaysia
9 Oct 12
For me I allocate a fixed amount of money for daily use for foods. I have to stick within the set amount.
@GemmaR (8526)
12 Oct 12
It is always good to make a list of the things that you have to spend on an average day and then only take the amount of money that you need rather than taking everything that you have with you. If you leave some of your money at home then this means that you wouldn't be able to spend it on the things that you don't really need. I also make sure that the things that I do buy are quite reasonably priced rather than getting more expensive options as this saves me a lot of money in the long term when I am shopping.
• United States
9 Oct 12
I have started stacking up on thing I know I will always need. like i have tons of toilet tissue. mayo,sugar,and so much more that I found on sale. I am also shopping for all my christmas gifts with the sales that are going on. when christmas gets here I will have a great big tree loaded with gifts and family sharing in food and so much more.
@GemmaR (8526)
12 Oct 12
I am a member at a wholesale store, so that means that I am able to do that from time to time as well. It is great if you are able to do this maybe once a year on things that last for a long time because it means that you can cut back on a lot of weekly expense that you might have had in the past. I bought 40 toilet tissues a couple of weeks ago because they were on offer. I would have bought more of them if they'd had any but unfortunately they didn't so that was the maximum amount that I was able to buy.
@UmiNoor (3496)
• Malaysia
9 Oct 12
That is a great suggestion on saving money. Planning ahead will avoid wastage. Other than that, what I do is to cook a large batch in one go because sometimes it's much cheaper to buy some things at the supermarket in bulk. So I will cook up a large batch and then divide the batch into small containers and freeze them and when it's time to serve the food, I will reheat one batch at a time. It does save me money and time.
@GemmaR (8526)
12 Oct 12
This is something that I used to do when I was a student because I didn't like to cook every night as there would be a lot of competition for the space in the kitchen. Because of that, I would try to cook at least four portions of the thing that I was making on Monday and then I would have the same things every night. I did not usually mind doing this because it meant that it was a lot cheaper than it would have been if I was cooking every night, and it also means that I was able to save a lot of time when I should have been cooking as well.
@Bhebelen14 (5206)
• Philippines
9 Oct 12
HI GemmaR, having a menu plan was the best idea in saving money and i usually do that do. Before it hard for me to save money but until i realized that it really hard to earn money and we need to spend and save it wisely. Usually to save money I made sure to eat first before going to the market or grocery to avid getting unlisted foods from my grocery list on list way i only purchased what i need for my menu and i avoid wasting food and money.
@GemmaR (8526)
12 Oct 12
I do agree that it is a great idea to make sure that you're not hungry when you go shopping. When I go before I have had a meal then I always thing that everything looks nice that is on the shelf and that means that I will buy it. It doesn't really matter if it is the type of thing that will keep for a long time, but when the food is fresh and I then realise that there is no way that I would able to eat it all, it turns into a bit of a waste. So you do have to be careful and make sure that you haven't bought a ridiculous amount of food.
@GardenGerty (99411)
• United States
9 Oct 12
I find that is an excellent idea for me as well. I know I waste a lot of food when I do not plan. The other aspect of saving that way is that it also prevents me from eating out impulsively. That is a lot of money, and the food is not really as good as homemade. I also use cold water to wash laundry, run full loads. Buy concentrated cleaning products, too.
@GemmaR (8526)
12 Oct 12
I had never thought about how planning my meals would stop me from eating out, but I suppose that this is the truth. When I have my meals planned it means that I am not thinking about where I need to eat so I never end up going out instead of cooking because I know in advance the things that I was going to be eating. I don't use cold water to wash laundry as I don't think that this would wash it well enough, but I certainly don't put it on the top temperature anymore so I am definitely saving money on this.
@mariaperalta (19096)
• Mexico
9 Oct 12
I save money everyday here in Mexico by recycling. Here they buy all, class, platics, aluminum. Everything is bought for some kind of money here. Even old tires and car batteries are bought here. All the extra money sure come in hand.
@GemmaR (8526)
12 Oct 12
I have never even thought about recycling for money, but this is something that I would do as a child. One of the things that they allow us to recycle for cash in our area is old newspaper. When I was younger, I would knock at the neighbour's doors and say that I would get rid of their papers for them if they gave me half of the money that they made from them. I managed to make quite a lot of money from doing this, and I spent most of it on days out with my friends which I found very fun at the time and did enjoy it.
@subhojit10 (7384)
• India
9 Oct 12
Thanks for sharing this discussion. Well glad to hear that u have found out an innovative way of saving money by planning about your food before hand and this is one great thing that can be done by everyone. Saving money is an art and not everyone can master it, what is needed is an awareness and a realization about how important savings are in the long run as it helps u make your life secured. i think u can cut short of the unnecessary expenditure like shopping or bills and save money. What say?
@GemmaR (8526)
12 Oct 12
I do know that not everybody seems to be able to save money. I went shopping with somebody the other day who had just been paid, and yet she spent everything that she had and didn't think to save anything for another day. She just didn't seem to understand the fact that she needed to save money at all, and I think that this would be a bit of a problem for her in the future. But I didn't say anything to her because I don't think that it is any of my business the way that people choose to live their lives and spend their money.