What To Cut Out To Save Money – If you’re looking for ways to save Money on your monthly expenses, check out this list of the top ten things you should cut from your budget!
Are you overspending? Do you want to save up for a big-ticket purchase, or pay off debt faster? Here is a list of the top ten things I think you should cut from your budget to reduce your monthly expenses.
What To Cut Out To Save Money
Well, we’ll start with the obvious. Stop eating out. It’s expensive. You don’t have to pay for the $17.99 meal, another $12 for the drink, and the 20% tip. You can save a lot of money by cooking at home. In fact, there are other benefits to cooking at home – you feel healthier, you feel like you’re saving money, and it can be a fun hobby.
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I used to have a budget line item for cleaning products – you know, Mr. Clean erasers (those things are amazing!), all the Lysol wipes imaginable, swinger stuff, a big bucket of Formula 409. Honestly, those things are expensive and add up. You no longer need to buy it. First, you probably have enough cleaning supplies to last 1-2 years. Additionally, you can also create cleaning products. cheap. Some $0.99 vinegar, tap water, and maybe a drop or two of Dawn. Eliminate this from your budget (and don’t try to fit it into your grocery budget).
Another obvious one. just do it. Forget it. It will save you a lot of money. Where I live, it’s not uncommon to pay $130 a month for cable TV. That’s over $1500 per year! You can watch the main show online for free (albeit 1 week after it airs), but who cares. If you’re a sports fan, find a friend who has a TV.
It’s weird, but in my neighborhood people wash cars all the time. They’ll even buy a $60 monthly pass that gives them unlimited car washes. Totally unnecessary. You can do it yourself with water and soap.
Sorry ladies (and maybe some gents…). This thing is so expensive! ! No more $60 haircuts (go to Supercuts for $12.99), no more $100 hair dye, and say goodbye to pampering yourself with manicures/pedicures.
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To be honest. You have a lot of clothes. And you’re not wearing 80% of your clothes. Clean out your closet. Pick some clothes that you like and wear them. Don’t buy anything new. The clothes in your closet should last you several years.
This won’t save you a lot of money, but hey, every penny counts. There’s no need to buy those giant packs of paper towels every month. You have plenty of dish towels, rags, fiber clothes that will do the same job.
Calculate the average amount you spent on groceries over the past few months. Reduce it by 20% (so if you average $500 per month, your new grocery bill goal is $500*0.8=$400). This really forces you to meal plan, try store brand ingredients, and allows you to be proactive and save money. This was the first change I made in my budget, and while it was a small change, it made me feel like I was in control of my finances and spending – which is so important.
Whether it’s magazines, newspapers, or subscription boxes, none of them are a necessity. Unsubscribing will also eliminate some clutter in your home – so it’s a win-win, right?
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I don’t want to sound like the Grinch, but reducing the amount of money you spend on gifts is an easy way to save money every month (doesn’t it seem like you have to buy a gift every month?). Thoughtful gifts are often the most appreciated and cheapest.
If you’re ready to revamp your budget and start saving money, download the monthly budget template below! Over the next 3 days, you will actually receive 3 worksheets (day 1 is the monthly budget template).
Sign up to receive these 3 prints within 3 days. Start with a monthly budget, track your spending with a spending log, and never forget a bill with a bill list.
What’s the first thing you cut from your budget? What do you refuse to cut? But, in this video, I want to talk about 10 sneaky expenses that add up over time and completely destroy your budget.
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Save money, spend less, live within your means and stay debt-free: 10 simple, actionable tips to help you cut back, save money, and build a healthy financial future. Click to Tweet
In a world with tons of online streaming options, are you still paying high cable TV bills just out of habit?
Think about the hours of cable TV you actually watch vs. the cost per month…not to mention all the time spent switching channels just to skip the ads!
Simply switching to a streaming service can reduce costs by up to 90%. You heard me – it’s one of the fastest ways to save money!
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I know it can be tempting to choose multiple streaming services given their attractive prices, but we can only spend a few hours a day watching TV.
So before making a decision, do a free trial to evaluate the content, but ultimately choose no more than 3 streaming options so that you can treat them properly.
When opting for a trial subscription, (man…I love all that follow) it’s easy to forget when the trial ends and keep paying for the regular service without realizing it.
Set a reminder the day before your trial ends, and evaluate that day whether you want to continue or cancel your trial. Either way, it’s a conscious choice!
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Speaking of subscriptions, (I’m here to keep scrolling:)) We tend to get excited about all magazine and newspaper subscriptions (whether physical or online) because individually they don’t seem too expensive.
But unless you read all of this, you’re not really getting your money’s worth. It’s better to get your news from free sources and pay for one or two publications you actually like. It’s an easy way to cut back and save money!
Continuing with the subscription theme, how many of us are guilty of subscription boxes – whether it’s toys, art, pets, fitness, vitamins, meal prep, candy, clothing, beauty and lifestyle, or wine clubs, beer clubs, coffee, etc. Club of the Month, Book of the Month Club, Fruit of the Month, Cheese of the Month, Hot Sauce of the Month (yes, it’s a real thing!).
Silly Things To Cut From Your Budget To Save Money
While it may seem like a good deal considering the variety and convenience the cost per box provides, eventually we either get overwhelmed or get bored and just let stuff pile up and sit unused.
Don’t waste your precious money, just unsubscribe and make a one-time purchase of something you really love!
Very similar to a subscription is the gym membership we sign up for. There’s no doubt we have the best intentions when we sign up for a gym membership, but in life we don’t always get to use it on a regular basis.
Instead of donating to your local gym month after month, explore other less expensive options — like outdoor running, free online workouts you can do from the comfort of your own home, and more.
Simple Expenses To Cut And Stop Spending Money On
But if you are a fitness enthusiast and practically live in the gym, then by all means keep your membership.
Wholesale Club Memberships are very tempting and the prices are too good to pass up – getting a Wholesale Club Membership sounds like an obvious way to save money!
But unless you need a 72 pound Parmigiano Reggiano and you have enough space to store all your bulk purchases and use them up before things go bad, you’re better off shopping at your local grocery store and avoiding the club fees!
Most apps start out free to get people to start using them, and once we get hooked we realize it can offer more functionality, but at a cost (app creators need to make money too, Right?).
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While it’s okay to pay for the premium version of the app or make in-app purchases, you need to be wary of premium memberships that have recurring payments or your credit card automatically charged each month.
Again, while the monthly cost may not be much, it’s a sunk cost if you don’t use the premium features extensively. Save money by uninstalling such apps or switching to free versions.
Many online websites offer automatic delivery options for your favorite or necessary purchases under a “subscribe and save” model.
While this model is great on paper, consider how much not everyone will always use the same products with the same frequency
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