- “I am buying what’s on my grocery list and nothing more.”
A shopping list is a great way to save money; however, they aren’t the easiest to stick to. Don’t allow your cravings to be tested with impulse purchases, taking you farther away from your saving goals. Take control of your purchases by creating and following a strict grocery list. Remind yourself before and during your shopping trip that you created the list for a reason and will not be straying from it. Keep tunnel vision as you walk past the junk food aisle and end-caps. Better yet, avoid them all together! These items will get you hook, line and sinker and ruin your saving efforts every time.
- “So long, expensive cable bill!”
So often we find ourselves paying a bill for entertainment we don’t full want, use or need. Take time away from the TV and save additional money by cancelling your current cable subscription. Leaving behind your favorite show or sports team may be difficult, but your savings account will be thanking you in no time.
- “Goodbye, fast food! Hello, extra cash!”
We’ve all been there. You’re running late, didn’t have time to grocery shop and a fast food joint is on your drive home. With little amounts of extra time, falling victim to on-the-go food is easy. With savings on your mind, take a little time each week to prepare food or coffee at home. Give your wallet a break by trying the following ideas:
- Breakfast: Purchase a few eggs, English muffins and cheese to enjoy a week-long of breakfast sandwiches for the same price as one from the drive through.
- Lunch: Skip spending $10.00 on a sub meal and create your own. Purchase meat from your local deli and a loaf of Italian bread for the same great taste at a much lower price.
- Dinner: Don’t have enough time to make food after work? Forget the convenience store and make a crock-pot meal in the morning. By the time you arrive home, your meal will be ready to eat and the money saved can be used elsewhere.
- “Tonight, our hangout is at home and budget-friendly!”
Going out to eat and spending a night on the town can easily take out your entertainment budget for the month. Save yourself the money and hassle by inviting friends over for a pot-luck dinner and pitch-in deserts. Enjoy one another’s company by playing a few games, sitting by the fire pit or watching the “big game” at home.
- “What can I sell to help achieve my financial goals?”
As the saying goes, “one person’s trash is another person’s treasure.” Make some extra cash this weekend by cleaning out your house and garage and listing a few items online. Any items you haven’t used in the last 6-12 months can be posted for quick cash. If you have a large amount of items, you could also consider putting together a yard sale for even more extra dough.
Saving for the future can be difficult, but finding new ways to pinch your pennies will help you in the long run. Put the previous phrases into action and you will be on your way to the savings account you’ve always dreamed of.
Questions about saving? Visit Marine’s ‘Savings Account’ page today.
Subject Matter Expert: Brian Johnson – La Crosse District Manager