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I have worked in accounting and finance for the past 13 years, and have paid attention to how people handle their money. Finances are something all of us deal with on a daily basis, and most of us would like to have more of it 🙂
There are two ways to have more money: earn more money, or spend less money. I would argue that spending less money is generally easier, and less time consuming than earning more money, so this is a great place to start.
We all spend money in different ways, but there are some things that most of us can do to save money. To help, I have put together a list of 5 things you can do to save $100 a month.
How to Save $100 a Month
Create a Budget, and Check it Weekly
Budgets are a four letter word to some people. Apparently not everyone shares my eternal love for Excel?
Budgets can be super easy though, and they’re almost guaranteed to help you spend less money. To setup a budget, all you have to do is grab a piece of paper (or open an Excel spreadsheet) and write down your monthly income. Below that, write down your monthly expenses.
Subtract your expenses from your income, and that is what should go in your savings.
The very act of writing down expenses, and especially setting budgets for things like groceries and eating out, will help you be more cognizant of your spending.
Cash Envelope System
Cash envelope system is a form of budgeting. You get out cash for your budgeted items, such as groceries and eating out, and put it in an envelope. Once the money is gone, you don’t spend anymore until the next time you get paid.
It’s pretty simple and I have known quite a few people who love this method.
I have created printable cash dividers for a wallet, which can be used in lieu of envelopes. Here are some cash envelope system dividers you can download for free.
You can save money by committing to have one meatless day a week, and I generally like to do it on Mondays.
I recently discovered MorningStar Farms® Veggie Bowls, and love them! They’re a delicious quick and easy lunch or dinner option for Meatless Mondays. My Mondays tend to be chaotic, as I get back into the weekday routine, so I appreciate that Veggie Bowls are an “as-is” meal solution.
Whether you’re a vegetarian, or not, Veggie Bowls are a great easy meal solution for all ages! The Veggie Bowls come in these flavors:
- Chik’n Pot Pie
- Chik’n Tikka Masala
- Italian Sausage Bake
- Japanese Soba Noodles
- Moroccan Medley
Make your own Beauty & Cleaning Products
One of the easiest, and healthiest ways I save money is to make a lot of my own beauty and cleaning products. I make everything from facial wash to shaving cream with only a few, simple ingredients. Check out my homemade beauty products and homemade cleaning products.
I relocated about 6 months ago, and as I was moving into a more expensive apartment, I needed to reduce some of my monthly expenses. Cable was an easy thing for me to cross off my list, as it isn’t a necessity. Plus, there are so many inexpensive options to stream all of your favorite shows. Instead of spending $90 a month on cable, I now spend $23. This was a huge, recurring savings for me.
If you are still paying $60+ a month for cable, you should definitely look at the other streaming options.
Shopping at the right store for your groceries can have a huge impact on your grocery budget and monthly expenses! I love shopping at Walmart, because I can find everything I need at a low price.
They also have a new grocery pickup program, where you can pick out all of your groceries online, drive to Walmart, and someone will deliver the groceries to your car. It’s a totally free service, and so valuable to busy parents or individuals that have a hard time getting around.
Those are 5 ways that I am able to save $100 a month. Do you have any tips to share? Leave a comment below!
Be sure to visit MorningStar for some other great tips!
All material on this website is provided for your information only and may not be construed as medical advice or instruction. Posts may contain affiliate links, which helps me buy supplies to make more great posts to share! Please see my Disclaimer Section for additional information.