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Smart, Savvy, And On A Budget

Image by Cutcaster.com

In today’s economy it has become increasingly hard to live like you did 15 years ago. With rising prices on food, gas, clothes, etc., you will find that a lot of people are living check to check and in debt. Shopping excursions, vacations, and extracurricular activities are becoming a thing of the past. Most people are skipping it altogether. Although things may seem bad, it’s really not, if you know how to budget. Yes, it’s all about being smart with your wallet.

More Money In Your Tank

So what are some ways to be budget conscious so that you can continue to enjoy life? It’s simple, evaluate everyday things that you do and think of little things you can do to save money. Well, let’s begin with that dreaded commute to work. Gas prices are soaring and quite frankly there is not much that can be done about that. However, you have the power to lessen the blow. Carpooling is excellent if the option is available to you. Talk to your coworkers to find out who lives near you and wouldn’t mind splitting the ride and expense. Another great way to save on gas is to drive near or at speed limit. Avoid speeding at all cost. Driving slower will definitely let the gas linger in your tank a little longer. Also, you may not realize but keeping up with oil changes is another way to stretch the gas in your tank. Lastly, if your car can tolerate it, get the lowest grade of gas.

Chop Your Grocery Expense

Now, let’s tackle grocery shopping. There are many ways to save on groceries. Most people just don’t make the time to do it. I’m sure you would begin if you were able to see the extra money in your pocket each week (whether big or small). Coupons are a great first start, and now many manufacturers are offering coupons online (how convenient). Match coupons, with a sale the store is offering at the time and voila, you’re paying pennies on a dollar for food. Another piece of advice is not to be afraid to try the store brands. I find that even though they are cheaper, sometimes the quality is the same or even better. I will try a store brand and if I don’t like it, at least I know I’ve tried it. If I do like it, I am a customer for life and I’m saving money at the same time. These are things to think about the next time you step into a grocery store.

Dress For Less

I saved the best for last which is clothes shopping. Most people on a budget stray away from the malls. If you like wearing brand name clothes, I actually don’t suggest doing that. I find that you can find great deals in the malls as long as you are a smart shopper. Go straight to the clearance rack, the clothes are typically from last season but you can usually find something cute yet affordable. You can also find great brand name clothing at thrift stores and consignment shops, if you don’t mind gently worn.

It’s Your Money, Spend It Wisely

At the end of the day, saving money is simple as long as you can recognize ways to be smart with your money, savvy with how to save, and learn to live day to day on a budget.

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  1. Charleen Larson

    Yes, be careful shopping and try to save money, but track what you spend and on what. You may find you’re spending more money trying to save money.

  2. JAMES

    I love the clearance rack at Macys. I find awesome clothes at 50-70% off the tag price on the clearance rack. I like name brand stuff, but will not pay the regular price.

  3. Julie @ Freedom 48

    There’s sooo many ways we can trim our spending. We just have to recognize them.
    Gas, food and clothing are three huge factors. I’m a big fan of Value Village for clothing =)

  4. Daisy

    I’d be lying if I said I didn’t try to save money in all of those other areas so that I can spend more on clothes and beauty, lol! I think there are always ways to cut spending.

    We’re in team 6 together on Yakezie, so just thought I’d drop by and say hi!

  5. Adam @ Money Bulldog

    The thing that strikes me is that these things are all so easy to do yet really do add up. I’d love to work out how much you could save over a year doing just these few things.

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