12 Ways to Shave $100’s off Your Budget Every Month

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1. Eliminate junk food such as cookies, snack cakes, etc. Your family will not only eat better and be healthier, but you’ll consume less calories and spend less on your food bill.

Minimum Savings: $15 week x 4 weeks = $60 per month

2. Make your own coffee and take it with you every day rather than stopping at your local coffee shop. You can pick up an insulated to-go mug with a sipper cup lid at a yard sale for 25¢ if you don’t have one and save a small fortune every month with this strategy alone.

Minimum Savings: $15 week x 4 weeks = $60 per month

3. Eat breakfast at home rather than stopping for a donut or sausage biscuit. Even a cheap breakfast out costs more, and contains more calories, than a bowl of cereal, a banana, and a glass of juice.

Minimum Savings: $15 week x 4 weeks = $60 per month

4. Pay your bills on time. Eliminating even one late fee every month can add up to savings. And often, paying bills late becomes a routine so the savings in this area can be much more than listed here.

Minimum Savings: $15 per month

5. Balance your checkbook and don’t let your account become overdrawn. This will eliminate insufficient funds charges from your bank which are outrageously high, as well as helping to eliminate late fees as mentioned above.

Minimum Savings: $30 per month

6. Eat out no more than once a week. When you do eat out, choose a less expensive restaurant, share a meal with your spouse and drink water rather than soda or tea. Also, if you take the kids, choose only restaurants where they can eat free.

Minimum Savings: $40 per month

7. Stop buying paper and plastic products whenever possible. Eliminate paper cups, paper plates, plastic flatware, paper towels, paper napkins, etc.

Minimum Savings: $25 per month

8. Cancel your gym membership and look for alternative exercise options that don’t cost anything. Ride a bike, go for a swim, jog, walk the dog, play volleyball with the kids, etc.

Minimum Savings: $35 per month

9. Borrow a movie from your local library instead of renting one each week. Once you’ve seen everything the library has to offer, swap movies with friends or start a neighborhood movie swap group.

Minimum Savings: $20 per month

10. Use your debit card instead of withdrawing funds from a bank where you don’t have an account. While banks promote access to their huge ATM network as a great benefit, “foreign” ATMs charge for every transaction made on their equipment by a non-member. And your own bank will charge you, too! Use your own bank or your debit card to save these fees when you don’t have cash.

Minimum Savings: $15 per month

11. Eliminate convenience products such as fabric softener sheets, disposable dust cloths, facial cleansing cloths, etc. and use wash cloths or cleaning rags instead.

Minimum Savings: $10 per month

12. Learn a craft such as knitting or scrapbooking and make your own gifts. Purchase supplies on sale or at yard sales and thrift stores for even greater savings. You can even sell what you make or swap with others for what you want or need.

Minimum Savings: $25 per month

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