{"id":214,"date":"2025-03-30T00:05:00","date_gmt":"2025-03-30T00:05:00","guid":{"rendered":"http:\/\/spruce-dev.chemistry.digital\/?p=214"},"modified":"2025-03-31T21:34:26","modified_gmt":"2025-03-31T21:34:26","slug":"money-saving-tips","status":"publish","type":"post","link":"https:\/\/www.sprucemoney.com\/resource-center\/savings\/money-saving-tips\/","title":{"rendered":"Money saving tips: 9 ways to take charge of your finances"},"content":{"rendered":"\n<p>While saving money might not be as fun as spending it, learning money saving tips can empower you to take the reins of your future and help reduce financial stress. What\u2019s more, learning how to save money is critical to building an emergency fund for unexpected expenses, saving for large purchases, and gaining a greater sense of financial stability.<\/p>\n\n\n\n<p id=\"h-it-s-easy-to-say-i-want-to-save-money-but-how-to-do-it-is-another-story-luckily-there-are-many-effective-ways-to-save-money-the-tips-listed-below-will-help-you-in-both-saving-or-establishing-better-spending-habits\">It\u2019s easy to say, \u201cI want to save money!\u201d But how to do it is another story. Luckily, there are many effective ways to save money. The tips listed below will help you in both saving or establishing better spending habits.<\/p>\n\n\n\n<p><strong>Need help saving money?<\/strong> See how the <a href=\"https:\/\/www.sprucemoney.com\/saving-goals\/\">saving goal feature<\/a> from Spruce mobile banking can help you save money day by day.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Money Saving Tips to Better Your Financial Future | Spruce\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/xcqxedFhAew?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-save-money-9-tips-for-smarter-spending-nbsp\">How to save money: 9 tips for smarter spending&nbsp;<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-create-a-budget\"><strong>1. Create a budget<\/strong><\/h3>\n\n\n\n<p>Without a budget, people tend to spend money carelessly. A few dollars here and there can add up to hundreds. When you create a budget, you think more about your spending.<\/p>\n\n\n<div class=\"wp-block-image is-style-default\">\n<figure class=\"alignright size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"240\" height=\"160\" src=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2022\/06\/money-saving-tips.jpg\" alt=\"money saving tips\" class=\"wp-image-967\"\/><\/figure>\n<\/div>\n\n\n<p>So, how do you do it? First, you should consider your necessities, discretionary spending (generally the fun stuff), and how much you want to save each month. Then, allocate your spending to specific categories. If you\u2019re coming up short in the savings category, you may need to dial back on discretionary spending \u2014 or find other ways to cut back. We\u2019ll provide ideas for that in the rest of this post.<\/p>\n\n\n\n<p>Find additional details about <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/planning\/how-to-create-a-budget\/\">how to create a budget<\/a> or <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/savings\/how-much-should-i-save-each-month\/\">how much to save each month<\/a>. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-treat-treats-differently\"><strong>2. Treat treats differently<\/strong><\/h3>\n\n\n\n<p>The advice to eliminate your daily latte and make it at home is one you\u2019ve probably heard before.&nbsp; While it\u2019s smart to evaluate how necessary some of your daily purchases are, it\u2019s important not to do away with all of life\u2019s simple pleasures.<\/p>\n\n\n\n<p>One way you can have the occasional treat and still save money is to create your own reward system based on opting for at-home versions most of the time. For example, for every time that you make your coffee at home, you earn one from your local coffee shop. For every week you make meals at home, give yourself one trip to your favorite take-out place. <\/p>\n\n\n\n<p>If you need some proof of what you\u2019re saving, keep track of your receipts and how much you would have spent going out vs. dining at home. &nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-shift-to-thrifty-fun\"><strong>3. Shift to thrifty fun<\/strong><\/h3>\n\n\n\n<p>Fun sometimes comes at a price\u2014that $150 concert ticket, $100 restaurant bill, or the $1,000 weekend getaway. While many fun activities have a price tag\u2014not all do. Find free concerts, enjoy the outdoors on a hike, or take your dog to the dog park. Activities like these provide invaluable entertainment for little to no cost.<\/p>\n\n\n\n<p>Not sure where to find the free fun in your area? Check out social media and community websites for the events in your town. For example, searching \u201cfree summer concerts near me\u201d or \u201ccheap fall activities for kids near me\u201d can help you locate some fun options.<\/p>\n\n\n\n<p>Don\u2019t forget, your local library has more than just books. Today\u2019s library systems offer a wide variety of resources to patrons, including access to databases, online education programs, DVD movies, and, in some cases, free streaming services. Check out your local library\u2019s website for more.<\/p>\n\n\n\n<p>And when free isn\u2019t an option, keep in mind, there are many ways to save online on entertainment and travel. Concert and theater tickets are frequently discounted on coupon. For travel, discounter aggregation sites can help you save money on flights and lodging.<\/p>\n\n\n\n<div class=\"wp-block-create-block-hrb-article-cta\" class=\"wp-block-create-block-hrb-article-cta\" style=\"background-color:#005D1F\"><div class=\"hrb-article-cta--image\" style=\"background-image:url(&quot;https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2024\/06\/spruce-susan-resized.png&quot;);background-size:contain;background-position:center;background-repeat:no-repeat\"><\/div><div class=\"hrb-article-cta--copy standard\"><h3 class=\"main-heading\">Try the mobile banking app with personalized budgeting tools. Check out Spruce today.<\/h3><div class=\"quick-links-list\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/account.sprucemoney.com\/signup\/\">Get started<\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n<p class=\"is-style-diy-tiny-text\">Spruce fintech platform is built by H&amp;R Block, which is not a bank. Bank products by Pathward\u00ae, N.A., Member FDIC.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-trim-monthly-expenses\"><strong>4. Trim monthly expenses<\/strong><\/h3>\n\n\n\n<p>When you\u2019re looking at where you can save money, a key place to look is your bank or credit card statement. Are there some things you can do without? Or some expenses that you can trim? For instance, bills like your cell phone plan, cable, and insurance can be reduced by negotiating with your current provider or by shopping around for alternatives.<\/p>\n\n\n\n<p>Subscriptions are all over the place these days \u2014 whether it\u2019s entertainment streaming, meal delivery services, or even clothing subscriptions. Take a hard look at how many streaming services you have. Do you use all of them? If you don\u2019t, get rid of them.<\/p>\n\n\n\n<p>In the long-term, look at your big monthly expenses, which are normally housing (rent or mortgage) and transportation. If you lease your car, consider opting for a more affordable model when your lease runs out. The same goes for your rent \u2014 if you need to significantly trim to meet your goals, consider roommates.<\/p>\n\n\n\n<p>(Related: Check out our <a href=\"https:\/\/www.sprucemoney.com\/saving-goals\/savings-calculator\/\">savings calculator<\/a> for strategies on how to save for your personal financial goal.)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"5-do-it-yourself\"><strong>5. Do it yourself<\/strong><\/h3>\n\n\n\n<p>Some services are \u201coutsourced\u201d and don\u2019t need to be. Below are some things you may be able to do yourself or with the help of online video how-tos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>House cleaning<\/li>\n\n\n\n<li>Lawn Mowing<\/li>\n\n\n\n<li>Car washing<\/li>\n\n\n\n<li>Pet Grooming<\/li>\n\n\n\n<li>Manicures and pedicures*<\/li>\n\n\n\n<li>Haircuts*<\/li>\n\n\n\n<li>Minor appliance and home repair<\/li>\n<\/ul>\n\n\n\n<p>While these expenses are minimal in comparison to housing and food, they can add up!<\/p>\n\n\n\n<p>*OK, we understand if you don\u2019t want to put your personal styling in your own hands. A second option is to check with your local beauty and cosmetology school to see if they have a student salon where you could get reduced or free services.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"6-buy-and-sell-used\"><strong>6. Buy and sell used<\/strong><\/h3>\n\n\n\n<p>If buying new clothes tends to burn through your paycheck, consider some alternatives. Consignment boutiques and thrift shops can be a way to stock your closet without the sticker shock. If you shop online, you may find an even wider range of used apparel and shoes. Plus, some sites direct you to discounts at online and brick-and-mortar retailers.<\/p>\n\n\n\n<p>You can find used goods on a social media marketplace or other community listings. And, if you want to declutter and make a little extra cash to boost your savings, you can sell items you don\u2019t use anymore.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"7-explore-more-affordable-brands\"><strong>7. Explore more affordable brands<\/strong><\/h3>\n\n\n\n<p>From groceries to cosmetics, we often buy the same brand over and over. Sometimes it\u2019s just because that\u2019s what you\u2019ve always done. As you\u2019re looking for where you can save money, the shelves at the store may just give you the answer. Compare prices and give a new, more affordable brand a try. You just may love it (and the money you save).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"8-take-advantage-of-workplace-benefits\"><strong>8. Take advantage of workplace benefits<\/strong><\/h3>\n\n\n\n<p>Oftentimes your employer offers programs to help you save that you might not even realize are available to you. Check with your human resources contact to determine if there are discounts or deals on services that you use. Plus, there may be other untapped benefits available to you, such as 401(k) or 403(b) retirement savings plan matching, employee stock purchase programs, or tuition assistance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"9-take-a-hard-look-at-fees\"><strong>9. Take a hard look at fees<\/strong><\/h3>\n\n\n<div class=\"wp-block-image is-style-default\">\n<figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"369\" src=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2022\/05\/SRC_Money-Saving-Tips_V2.jpg\" alt=\"money saving tips\" class=\"wp-image-907\" style=\"width:240px;height:100px\" srcset=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2022\/05\/SRC_Money-Saving-Tips_V2.jpg 720w, https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2022\/05\/SRC_Money-Saving-Tips_V2-300x154.jpg 300w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/figure>\n<\/div>\n\n\n<p>Unexpected fees can happen if you\u2019re not paying attention: late fee when making a late payment, penalty interest fees for credit limit overage or late payments, and out of network ATM withdrawal fees. All of these fees are in your control; are there small steps you can take to avoid these fees?<\/p>\n\n\n\n<p>With Spruce, there are no monthly fees and no sign-up fees.<sup><button data-disclaimer-trigger=\"3\" class=\"js-disclaimer-link\"><span class=\"reader\">Disclaimer number<\/span><span>3<\/span><span class=\"reader\">. Go to disclaimer for more details.<\/span><\/button><\/sup> Plus, you get access to thousands of fee-free ATMs.<sup><button data-disclaimer-trigger=\"4\" class=\"js-disclaimer-link\"><span class=\"reader\">Disclaimer number<\/span><span>4<\/span><span class=\"reader\">. Go to disclaimer for more details.<\/span><\/button><\/sup><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A realistic way to save money \u2014 with Spruce<\/h2>\n\n\n\n<p>If your goal is figuring out how to save money fast, know this: the more expenses you cut each month, the faster you will get to your goal. Here\u2019s how Spruce can help you along the way.<\/p>\n\n\n\n<p>With Spruce, you can choose to tuck money away automatically for the goals you choose. So, before you know it, you\u2019ll be on your way to saving up for that next big purchase.<\/p>\n\n\n\n<p>Find out more about all the <a href=\"https:\/\/www.sprucemoney.com\/features\/\">features\u202fSpruce<\/a> has to offer.&nbsp;<\/p>\n\n\n\n<p><strong><u><a href=\"https:\/\/account.sprucemoney.com\/signup\/\">Get started with Spruce!&nbsp;<\/a><\/u><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>While saving money might not be as fun as spending it, learning money saving tips can empower you to take\u2026<\/p>\n","protected":false},"author":1,"featured_media":240,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-214","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-savings"],"acf":[],"yoast_head":"<title>How to Save Money | Spruce<\/title>\n<meta name=\"description\" content=\"Learning how to save money is a critical skill and gives you a greater sense of financial stability. 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