Monday, February 20, 2017

8 Pain-free Money Saving Tips To Try Daily

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It seems like once the new year rolls around, it's common for us to plan, map out, and consider ways to "stick to resolutions. Whether that means getting to the gym, eating more vegetables, spending fewer hours binge-watching Love and Hip-Hop or committing to saving more money than spending it. For me, one thing that I am trying to do this year is implemented ways or cut corners to saving more money; as I currently have this pair of Adidas Originals on my mind. Shameful.

But nonetheless, being able to save money provides us with the ability to have more money when things get really tough or when things come up unexpectedly. Sometimes, a little bit goes a long way and being able to look back to see those extra zeros in your bank account just might help. Read on for a few ways to save more money this month and the rest of the 

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1. Write it all down. How will you know how much you are spending if you don't write it down? Investing in a money diary will enable you to track your spending daily and weekly. If you write down what you are spending, perhaps you can look back and see maybe you didn't need that cup of coffee from Starbucks after all.

2. Hit the "Unsubscribe" option. Who doesn't love an email from one of your favorite retailers? But sometimes these marketing techniques can be too much. I can attest to this, especially as of late I've been unsubscribing from emails letting me know about extra savings or markdowns. Don't fall into the trap.

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3. Check your credit score. Whether you use Experian, FICO, or, getting into the habit of checking your credit score is crucial. If your credit score is not so hot, that's okay. It is better to know where you're credit score is at and take the right measures to get to where you want it to be. Tip: Making your on time payments or even doubling your payments can add a significant boost to your credit score.

4. Don't buy it because it's cheap. Often, it is common to justify a purchase because it is "cheap." But just because it is cheap, that shouldn't be a reason to by a flimsy T-shirt, especially if you 1) aren't going to really wear it or 2) already have a pile full of other flimsy T-Shirts at home. Make every purchase count but also think about the quality in which you decide to buy your clothes.

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5. Haven't worn it? Sell it.There are countless numbers of apps that allow you to sell your stuff. I am a huge fan of Poshmark because not only are there really get benefits to it, but there's a sense of community that I really appreciate. If you can get money off of the clothes you no longer wear, why still keep it in your closet?

6. Drink more water. I know, I know, drinking water can be tough because "It has no taste," or "It's boring." Drinking water before a meal not only helps you feel full longer and eat less but it can also keep you from spending money on coffee, soda, or even juice. Before I leave the house, I always make sure to pack a water bottle in my bag, that way when I get to work or school, I can just refill it at any time.

7. Bring lunch from home. Often, it seems common for people within the work-world to leave the office and grab food somewhere else. When I first started at my internship, eating out became so routine that as the winter months came along, I'd stay at my desk. On the days I didn't go out for lunch, I made sure to bring something from home. Whether it is leftovers, a quick sandwich, or just a salad you put together, eating lunch from home will make your wallet happy.

8. Focus on your problem areas. By focusing on the areas you spend the most money, this will help gauge ways to cut back on spending. In addition, whatever your problem, make a commitment to not only just avoid the problem but to actively work towards resolving it.

Saving extra money may seem like an uphill battle or feel like it is impossible to do. Although it may take some sacrificing, it is important to do things that work for you. But remember, the little that you are able to save now, will definitely pay off later down the road. Do you have any money saving tips that weren't mentioned? Let us know in the comments below!

By: Ajea Nicole

Ajea Nicole is a 20 something from Boston, MA who craves anything style related. Though her love of style originated from scouring her mom’s closet, she often gleans style inspiration from Solange and June Ambrose. When she is not catching up on Project Runway, she can be found working out at the gym, reading a good book or
somewhere in a sushi restaurant.

Connect with her!
Twitter: @ajeanicole
Instagram: @ajeanicole

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