Start by listing all your monthly income and expenses. Categorize your spending and set limits for non-essential items, ensuring you stay within your budget.
Plan your meals for the week, buy ingredients in bulk, and cook in larger batches to save time and money. You can also prepare lunches for work instead of buying food every day.
Before shopping, check for available coupons online or through apps like Honey, Rakuten, or Ibotta. These tools can provide discounts and cashback on items you were planning to buy anyway.
Simple actions like turning off lights when not in use, unplugging electronics, using energy-efficient appliances, and fixing leaks can add up to substantial savings.
Review all your subscriptions (streaming services, magazines, apps, etc.) and cancel those you don’t use regularly. For services you want to keep, consider sharing the cost with family or friends.