Holiday Tips to Save Money

With the Holidays right around the corner we thought it would be helpful to come up with some ways to save you money.

1. Automate Your Savings (pay yourself first):

Set up those automatic transfers from your checking to savings each month. Watch your money grow without lifting a finger, especially handy for goals like building an emergency fund or saving up for that dream vacation.

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2. Count Your Change:

Throw your spare change into a jar each night. Once you've got a stash, deposit it into your savings. Using cash instead of cards helps you keep an eye on spending, and this slow-and-steady approach builds up savings over time.

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3. Grocery Shopping Game Plan:

Before hitting the grocery store, check your pantry, make a list, and look for coupons or loyalty programs. Cash-back credit cards and store apps can add extra savings to your cart.

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4. Trim Down Restaurant Bills:

Cut back on eating out to save big. When you do indulge, use credit cards with restaurant rewards, share entrees, or skip the extras to keep your budget intact.

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5. Entertainment on a Budget:

Take advantage of free museum days, local events, and community concerts. Don't forget to explore discounts for different groups. Save big while still having a good time.

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6. Smart Shopping for Big Buys:

Time major purchases for sales, track prices using online tools, and make sure that deal is really a deal. Shop smart to save on appliances, furniture, and more.

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7. Online Shopping Hurdles:

Make it a bit harder to online shop by not saving billing info. More steps mean fewer impulse buys and more money saved (especially if your kids have your credit card saved on Amazon!).

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8. 30-Day Rule for Purchases:

Avoid impulse buys by waiting 30 days before making a purchase. Put items in your cart and let them marinate. You might even score a discount if you're patient.

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9. Thoughtful Gifting:

Save on gifts by getting creative. DIY gifts or experiences show you care without breaking the bank.

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10. Cut Car Costs:

Refinance your auto loan (if your credit score improves) , shop around for insurance, and make small changes like removing heavy items from your car. Little tweaks can lead to big savings.

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11. Trim Gas Usage:

Use gas apps to save on fuel costs. While you can't control gas prices, you can control how efficiently you use your fuel. Reward credit cards may also save you up to 5% at the pump.

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12. Bundle and Cut Cable Costs:

Downsize your cable package or bundle cable and internet to save. My family just cancelled Direct TV and started with Hulu. That saved us about $70 per month.

13. Cell Phone Savings:

Change your plan, sign up for autopay, and go paperless to save on your cell phone bill. Don't forget to shop around for the best deal.

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14. Cut Electric Bills:

Small changes, like adjusting your thermostat and using smart power strips, can add up to significant savings on your electricity bill. One other option may be adding solar to your home. Make sure you get a few quotes and understand the terms of your agreement and the time to recoup the investment as well as the tax benefit.

Thanks to Jeff Sipes and Blue Water Credit.

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