Plan ahead! Take inventory of what you have, and what you need before hand so you do not over buy. Bring a list with you with a utensil to cross items off your list, or you can download an app like anylist from the app store. This app can organize your list by department making it easier for shopping.
Utilize sales and coupons: There are tons of ways you can do this. Whether it be your local newspaper,app, or simply printing them at home there are plenty choices for you. I love an app called Coupons this app lets you see manufacture coupons that you can add on top of most store sales. It also lets you print them from home making it simple and easy. I also use the app called Flipp that lets you see the prices of your items at all stores so you can see who has the best deal for you.
Make healthy choices: Eating healthier foods can actually save you money, according to a study published in the Journal of the American Dietetic Association. The researchers found that when families went on weight loss diets, they not only lost weight but reduced their food budgets.The savings came from reducing portion sizes and from buying fewer of the high-calorie foods that tend to increase the amount spent at the grocery store. People tend to spend a lot on those “extras” foods that add calories but little nutritional value, like sodas, bakery items, and chips.
Go generic: Consider buying store brands instead of pricier national brands. Many grocery companies buy national-brand products made to their specifications and simply put their own label o n the products. Read the ingredient list on the label to be sure you’re getting the most for your money. I always shop generic, I find the store brands are just as good if not better!
Shopping in bulk: Try shopping in bulk! This is a great option for large families who shop more often than most, or even a small to average size families as well. Joining a bulk shopping club like Sam’s, Costco, or BJ’s can be cost-effective if you frequent the club regularly. Bulk purchases can be a great way to save money as long as they get used.
Traveling is something I do not get to do much but something I would love to do all the time. Unfortunately travelling can be super expensive! So I wanted to create a fun list of places I can only dream of affording —– Lets dream a little.
The Galapagos Islands… This is THE DREAM place of mine since I was a kid. Scattered across the equator, the Galapagos Islands are especially famous for their unique wildlife and breathtaking scenery – a visit here is almost like travelling to a whole new, enchanting world. It is breathtakingly beautiful and unique. My dream would be to go island hopping by boat to visit some of there 12 islands. Each island is like visiting a different world, some having entire different species and landscape to the next. The trips can be as expensive as you can guess, so this one will stick to the dream vacation list… for now anyway.
Hawaii: As you can tell I love tropical places, I live in the Midwest can you blame me? Getting Married in Hawaii is a life goal. The warm water, the plentiful reefs, fish, turtles, whales, and barracuda make the beautiful Hawaii islands a great place to spend a lot of time in the water. With all the different things Hawaii has to offer, it surely ranks as the most beautiful place on Earth. I would love to be paddle boarding over the ocean or hiking in the mountains right about now.
Ireland: Well folks I’m not sure if you know this or not but your girl is Irish! I think it would be a really remarkable experience to visit a little bit of my own history. From storybook castles to magnificent gardens, wide open spaces to the bustle of international cities, breathtaking natural scenery to man made megalithic structures, Ireland is a must visit. There is such a range of thongs to do the possibilities are endless.
Being able to save money any chance you get can lead you to having more financial security in life. We all have different reasons for wanting to save some money. Some of us just want a nest egg or maybe some for a wedding. Here are some great apps that can help you achieve what ever goal you are reaching for.
Acorns: Acorns is an investing app lets people automatically invest their spare change by rounding up the purchases they make with a linked credit or debit card. Acorns has been lauded by investors and journalists alike for finally getting more people investing. When you want your saved sum, all you have to do is withdrawal your earnings from the app choosing how much, and how you want your money. Its simple and easy!
Mint: As a finance aggregation app, Mint helps users create and manage budgets by using the information from bank accounts, bills, credit or debit cards, and PayPal and other accounts to track how much money users are making versus how much they spend. Mint’s main categories include overview, transactions, bills, budgets, goals, trends, investments, and ways to save. From there, users can set up alerts for bills or other financial goals that you can customize to fit your needs. This app is perfect for you if you have a long term event to save for. Mint really lets you see an in depth look on how you spend your cash and can really help see where you can save.
Qapital: VisaDebit Card Qapital offers its users this fee-free debit card through its partner Lincoln Savings Bank. You can use the card wherever Visa debit cards are accepted, and you’ll also earn 0.1% interest on both your Spending and Goals account. This app does have a base fee of $3 a month for basic package or $6 a month for complete package depending on the tier you choose. Your Qapital Invest account helps you reach your short term and long-term Goals. When you make an investment Goal, your money is held in an ETF portfolio based on the risk level you are most comfortable with.
Digit: They keep your money and personal info safe and offer a valuable service that will benefit many people. It’s a great option for people who have a hard time saving money. There is a $5 monthly fee attached to using Digit so be sure to weight if the investment is worth using their service to save money. Digit doesn’t require you to come up with an arbitrary amount to transfer every month. It adapts to you and saves accordingly. Digit learns when and how much is safe to save based on your spending habits. Making this an affordable and easy option for most.