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How to Save Money Every Day

Updated on June 1, 2013

Saving money can be simple if you have a plan and if you use that plan. The one payment that is not on many peoples’ lists is themselves, yes, that is right put you on your must pay list.

Every payday, whether it is weekly, very two weeks or once a month, put aside ten per cent of your earnings for yourself. This will add up over the years.

The best way to save money is to not spend it in the first place. Paying yourself first is the first step towards savings. The second is not to spend money that you really do not need to, do this and you can save money every day.

The mortgage or rent needs to be paid as do car payments and groceries; children need new clothes and school supplies and there are other living expenses that you will need to make. However, every day, a great many people spend money they could have saved. It may not seem like a lot on a daily basis but over the course of a week, month or year it adds up.

Let us start in the morning. Do you make your own coffee or tea in the morning or do you pick one up on the way to work? Making your own and enjoying it at home or taking it with you in a travel mug will save you a few quarters every day. Not much, true but that money is better in my pocket or the change jar at home that handed over to a takeout coffee stop.

Speaking of change jars, we have saved up to $400.00 a year just by putting change aside. This helped pay for a vacation we otherwise would not have been able to afford.

Now what about breakfast which is the most important meal of the day; breakfast gives you the energy to do what needs doing. Do you eat at home, and not just toast or a muffin but cereal, eggs, fruit, toast or some combination?

Or do you grab a muffin on the way to work, along with that coffee?

What about break time, what do you buy for break; you will be hungry if all you had for breakfast was doughnut or muffin? If you are buying a mid-morning snack to get you through to lunch you are kissing your cash goodbye; hopefully you are using cash or a debit card not eating that snack on credit.

Lunch can cost you five to ten bucks if you did not bring your own. Let’s say it is six bucks a pop, five days a week six bucks a day, 30 a week and 120 for the month. Now we are talking some serous change.

Then there is afternoon break.

You can save money every day buying taking a few minutes while grocery shopping to make sure you have items for lunch and a snack. Prepare the lunches the night before, it really does not take that long and get the coffee ready for morning. The money is better in your pocket than the doughnut shops and it does add up.

Brew Your Own and Save

Brew your own & save
Brew your own & save | Source

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  • Bob Ewing profile image
    Author

    Bob Ewing 7 years ago from New Brunswick

    Thanks and I agree money in my pocket or bank account is better than putting it in someone else's.

  • cluense profile image

    Katie Luense 7 years ago from Buffalo, NY

    Awesome Hub Bob!

    My grandmother made me a list of how to live rich on a small amount of money! This is No. 10 on her list! She was from the Great Depression and knew how to save and spend wisely. Today, everyone thinks that they are depriving themselves of a "treat" if they forgo the above mentioned items.

    However, in my twenties, when I was staring at a huge jar of money that she taught me to save, I did not feel deprived at all. I placed in that jar, for one year, all of the money I would have spent on things that I wanted but did not need. Do you know how much that jar contained at years end? $10,500.00!

    Yes, that is correct. Me, at 24, saved that much in one year! Thank you for this informative Hub! We need to get back to basics and realize that a Jar full of money is better in our pockets then someone elses! This Hub has been rated up!

  • Bob Ewing profile image
    Author

    Bob Ewing 7 years ago from New Brunswick

    I enjoy spending other peoples' money, :-) Thanks for dropping by.

  • bgamall profile image

    Gary Anderson 7 years ago from Las Vegas, Nevada

    I think we just like to spend, like somehow it tastes better. But really it doesn't. I like that International Delight because it is healthier than some other brands.

  • Bob Ewing profile image
    Author

    Bob Ewing 7 years ago from New Brunswick

    Happy to be helpful, thanks for the comment.

  • Richard McCallum profile image

    Richard McCallum 7 years ago

    excellent information- especially your link to my favorite local tv station wcax3!

  • Bob Ewing profile image
    Author

    Bob Ewing 7 years ago from New Brunswick

    You are welcome, thank you for visiting.

  • Hello, hello, profile image

    Hello, hello, 7 years ago from London, UK

    Thank you for your valuable tips.

  • Bob Ewing profile image
    Author

    Bob Ewing 7 years ago from New Brunswick

    I agree SwetiePie, making your own is much cheaper and may even be tastier.

  • SweetiePie profile image

    SweetiePie 7 years ago from Southern California, USA

    Bringing your own lunch is a big way to save money. Even if you eat out at a cheaper place, the price of that meal probably would be the same you would pay to prepare an entire meal for your family. That could be several meals for a single person.

  • Bob Ewing profile image
    Author

    Bob Ewing 7 years ago from New Brunswick

    Small can become large soon enough, thanks for dropping by.

  • Dim Flaxenwick profile image

    Dim Flaxenwick 7 years ago from Great Britain

    Thank you for so many simple tips that i´ve never thought of. you´re right, it seems ´small change´ but it soon adds up ,.

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