Category Archives: Saving Money Now Series

The Difference Between Using Online Vs. Printed Coupons – Two Valuable Options

Saving Money with Print vs Online Coupons

Print vs Online Coupons

Saving money matters more than ever and there are plenty of people out there who are doing all they can to save cash.

By far, the most popular option is coupons.   Before you begin using coupons you should know that there are two main types-online and printed. Continue reading

1 Comment

Filed under coupons, save, Saving Money Now Series, shopping

How to Stockpile Groceries without Going Overboard – Bulk Buying on a Budget

How to Stockpile Your Groceries

How to Stockpile Your Groceries

When you’re saving money there are several steps you can take to help cut your expenses.  Many people have found big box stores that sell bulk items or the clever use of coupons can help them save a bundle in the long run. Continue reading

3 Comments

Filed under Frugal, save, Saving Money Now Series, shopping, stress

Three Ways to Celebrate Independence Day on a Dime

Independence Day on a Dime

Independence Day on a Dime

Few holidays have the same sense of pride that Independence Day can bring.  Celebrating the birth of our nation can be so much fun.  However, if you’re really focusing on saving money, the Fourth of July can represent a bit of a challenge.

On one hand, you don’t want to spend much money, but you still want to have fun.  Luckily, it’s easier than you think to save money on the 4th while still enjoying the holiday.   Here are three things to keep in mind. Continue reading

Leave a comment

Filed under family, holiday, holidays, Saving Money Now Series

How Simplifying Your Budget Can Help You Save Money

Simplifying Your Budget

Simplify Your Budget!

When looking for ways to save money, many consumers immediately start wondering which bills can be eliminated.  While these are important considerations, if you’re looking to save money, simplifying your budget can offer an even better look at how to save money.

Likewise, we are often taught to save money by creating highly detailed budgets. However, instead of detailed budgets that track down every expense in your life, a simplified budget could provide an even better solution.  Here’s how.

Simplifying Your Budget – The Concept

Simplifying Your Budget - The Big Picture

Simplifying Your Budget – The Big Picture

For starters, it’s important to understand the concept behind simplifying your budget.  Essentially, simplifying your budget boils down to consolidating all similar expenses.  So instead of an individual entry for each credit card bill, how about combining them all into a single ‘credit cards’ category.

You can do the same for utilities – just list them together instead of separating each of them.  This gives you a better idea of where all your money is going.  Four or five credit card payments for twenty bucks a month may look small, but combining them will show you they’re more than you think and give you a better idea of what to cut.

Next Step to Simplifying Your Budget

Now that you’ve taken the time to simplify your budget let’s look at where you’re spending the most money.  You can identify these areas by using the “grouping” technique that we mentioned above.  After identifying them you can ‘zoom in’ for a more detailed line item by line item examination.

Time to Make a Decision 

Isolate, Decide and Trim

Isolate, Decide and Trim

Now the only thing left to do is to decide what you want you want to do with the items eating up your savings.  Can you cancel a credit card or two?  What’s the biggest bill in your utilities category, and is it possible for you to reduce it or even eliminate it?

Starting with the simpler view lets you see where you’re really losing money so  you can more closely review only the items that need your attention.

Choosing to simplify your budget is only the beginning.  Saving money isn’t always easy, but having an idea where your money goes certainly helps.  Also, be prepared because it might take an hour or two to really crunch all the numbers, but just remember that it’s time well spent.

You can also use one of the free online budget websites to help you plan out all of your options and figure out what’s working.

Do you prefer a more detailed budget or a simplified budget?  Let us know by commenting below.

3 Comments

Filed under budget, Saving Money Now Series, savings

Save Money – How to Dine Like a Minimalist

Minimalist DIning

Minimalist DIning

Saving money means a different things to different people, but one area where most of us spend more money than we realize is on our food.  Minimalist dining is doing what you can to save money on your meals without having to eat Ramen Noodles every night.

Not only can this method of eating save you money, but in many cases it can help you lose weight and get yourself back in shape.  Here are four things to keep in mind when you’re dining like a minimalist. Continue reading

Leave a comment

Filed under Frugal, Saving Money Now Series, savings

Three Frugal Craft Tips That Can Lead to Major Savings

Frugal Craft Tips

Frugal Craft Tips

Craft projects offer a tremendous opportunity to put your creativity to work.  And while craft projects generally tend to be really affordable, once you start doing enough of them you’ll notice that costs can mount quickly.

Fortunately, there are several things that you can incorporate into your crafting regimen that can help you reduce costs.  We’re going to be sharing some of them in this post.

Continue reading

Leave a comment

Filed under crafts, Crafts/Projects, Saving Money Now Series, savings

Four Types of Free Budgeting Tools That Can Save You Money

Four Free Budgeting Tools

Four Free Budgeting Tools

When you’re saving money there are plenty of obstacles that can stand in your way.  Frugal fatigue, sudden emergency expenses and day to day costs are all hurdles you’ll have to clear when you’re trying to pinch pennies.

Saving cash isn’t easy, but as you’ll see in this post – thanks to four free budgeting tools saving has become much easier than in years past. Continue reading

Leave a comment

Filed under budget, Frugal, Saving Money Now Series, savings, tips