Insanely Genius Ways To Save Money

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Saving money isn’t easy for everyone. In fact, sometimes it’s almost impossible. Here are some insanely genius ways to save money to try this month. Don’t worry, these saving money tips are doable! 

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I get it sometimes, saving money isn’t easy. In fact, sometimes it’s extremely difficult!

It always rubs me the wrong way when people think saving money is a simple task. 

Like, read the room … 

Frankly, assuming everyone can just because you can lack empathy and foresight.

Insanely Genius Ways To Save Money

Firstly, in order to save money, one has to make money and enough of it to pay for necessities.

Therefore, if someone is struggling to pay for their necessities as per Maslow’s hierarchy of needs, saving money will be much harder for them.

However, while saving money can be such a challenge depending on your situation, it’s not impossible!

Here are a few items you can stop buying to help you save money!

  1. If you are a Starbucks addict, start by making your own coffee drinks
  2. Eat before going to the movie theater
  3. Prepare your meals at home
  4. Buy used books, avoid buying new books
  5. Use cashback services and coupons
  6. Avoid expensive phone plans
  7. Don’t purchase new phones every year
  8. Pay for warranties only when it makes financial sense
  9. Avoid paying bank fees
  10. Stop buying famous brand designer products
  11. Don’t buy more expensive products, find more affordable substitutes
  12. DIY when it makes financial sense
  13. Avoid wasting money on insurance
  14. Wait for better deals during popular sales like Black Friday
  15. Avoid subscribing to several subscription services
  16. Don’t buy things just because it’s on sale
  17. Grocery shop with a budget in mind and stick to that budget
  18. Avoid procrastinating and paying extra to make up for time
  19. Buy used instead of new items when it makes financial sense
  20. Avoid paying for Apps when similar free apps do the same thing
  21. Stop wasting money on utility bills
  22. Avoid impulsive shopping for comfort
  23. Stop paying for any goods and services in hopes of impressing people you don’t even like, or they don’t even like you or notice you

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Smart Ways To Save Money 1: If you are a Starbucks addict, start by making your own coffee drinks

You will be surprised by all the money you will save by just preparing your Starbucks copy drinks at home.


Smart Ways To Save Money 2: Eat before going to the movie theater

Movie theater food is expensive, so eat before going to the movie theater and/or sneak in a few snacks.


Smart Ways To Save Money 3: Prepare your meals at home

Spending money buying meals for breakfast, lunch, and dinner can easily cost you hundreds a month. Therefore, save money by preparing your meals at home! All in all, they will be cheaper and taste better!


Smart Ways To Save Money 4: Buy used books, avoid buying new books

New books always cost more than used books. So, ditch the habit of buying new books if you want to save money.


Smart Ways To Save Money 5: Use cashback services and coupons

Always use cashback services and coupons whenever you can – avoid paying full price for goods and services when others are paying less.


Smart Ways To Save Money 6: Avoid expensive phone plans

Expensive phone plans rarely provide that much benefit to justify the cost. Therefore, find cheaper phone plans to save money.


Smart Ways To Save Money 7: Don’t purchase new phones every year

Purchasing a cellphone every year makes the cellphone providers rich and keeps you broke. Therefore, if you’re struggling to provide for your necessities avoid expensive new phones every year.


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Smart Ways To Save Money 8: Pay for warranties only when it makes financial sense

Only pay for warranties for really expensive products otherwise avoid getting scammed by these companies. Instead self insure your purchases.


Smart Ways To Save Money 9: Avoid paying bank fees

Bank fees are one of the most pestering fees around. However, they are ways you can avoid situations that will result in you paying bank fees. For instance to avoid late fees pay the bank on time.

To avoid overdraft fees check your bank balance before making purchases or opt-out of the overdraft service provided by your bank.

To avoid ATM fees and money transfer fees use peer-to-peer payment apps like Cash App and use cashback services offered by retailers like Walmart, and for paper statement fees, opt for digital bank statements.


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Smart Ways To Save Money 10: Stop buying designer products

Designer products should be avoided if saving money is your top priority. Instead, find more affordable alternatives for expensive designer products you like.


Smart Ways To Save Money 11: Don’t buy more expensive products, find more affordable substitutes

Don’t buy a more expensive product because you think it’s better quality – find more affordable substitutes


Smart Ways To Save Money 12: DIY when it makes financial sense

DIY projects are such a fun way to say money. However, not all projects should be DIY. Therefore, if it makes financial sense DIY to save some money.


Smart Ways To Save Money 13: Avoid wasting money on insurance

Depending on the situation, you might not have a choice but to pay for the insurance. However, that doesn’t mean you don’t shop around for the best deal. Always, shop around before selecting an insurance package.


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Shopping is fun but you know what’s better? Shopping for items on sale! Therefore, unless it’s an emergency always wait for popular sales events like Black Friday to save money on seasonal deals.


Smart Ways To Save Money 15: Avoid subscribing to several subscription services

Subscription services can help you save a lot of money. However, subscribing to several all at once can be expensive. Therefore, don’t go overboard.


Smart Ways To Save Money 16: Don’t buy things just because it’s on sale

Don’t buy a product just because it’s on sale – buy it because you need it! This mindset can save you a lot of money in the long run.


Smart Ways To Save Money 17: Grocery shop with a budget in mind and stick to that budget

Grocery shopping is becoming more costly every month. That’s why grocery shopping on a budget is important. Therefore, create a grocery budget and stick to it.


Smart Ways To Save Money 18: Avoid procrastinating and paying extra to make up for time

Procrastination is a bad expensive habit. Therefore, avoid it by improving your time-management skills and keeping yourself accountable.


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Smart Ways To Save Money 19: Buy used instead of new items when it makes financial sense

Unless buying a used item will cost you more in the future buy used. In general, you save money.


Smart Ways To Save Money 20: Avoid paying for Apps when similar free apps do the same thing

If there’s an app you like, find a free alternative before you purchase the app.


Smart Ways To Save Money 21: Stop wasting money on utility bills

Stop wasting money on utility bills including cable bills, water bills, electricity bills, gas bills, and internet bills. Find ways to reduce your usage or switch to companies that offer better deals to save money.


Smart Ways To Save Money 22: Avoid impulsive shopping for comfort

Impulsive shopping is another expensive bad habit that makes saving money very hard especially if you’re struggling. Therefore, avoid impulsive shopping by dealing with your problems head-on – don’t try to shop them away.


Smart Ways To Save Money 23: Stop paying for any goods and services in hopes of impressing people you don’t even like, or they don’t even like you or notice you

Don’t do it. Stay in your lane, mind your business and live your life. In general, buying things to impress people is one sure way to go broke or remain broke.


Overall

Remember, one of our financial goals is to win with money to improve our lives! Therefore, don’t give up! Instead, continue to be consistent and intentional!

Read: Top Wasting Money Quotes And Sayings

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