ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Simple Ways to Spend Less and Save Money

Updated on July 21, 2011

Save money with these simple tips

With the current economy, everyone is looking for ways to cut back their spending and save more money. Sometimes, the most spending is done in the most unnecessary places. Here a few ways you can spend less and save more money.

Save money and spend less on your kid’s activities

Children need to stay active and interact with other kids, but it doesn’t always have to empty your wallet. Shop around for different activities for your kids before you make a commitment. So many parents sign their kids up for Karate, for example, for $200 a month when they could have put them in softball or another sport for $50 a month and the kids will love it just as much.

Another great idea is to start your own kid’s activities with other families in the neighborhood. If you have a descent size common ground in your neighborhood, all the families can get together and throw in a couple bucks to purchase some good bases for a baseball game. Then each child can bring their own bat. Designate teams and have them wear their own clothes but in two different colors rather than buying expensive uniforms. Then you can have baseball games on the weekends with no membership fees.

Save money and spend less on lunch at work

Assuming you eat at McDonald’s or another fast food chain for lunch 5 days a week, at $5 a meal, you are spending $25 a week. If you prefer Applebee’s or Olive Garden, you are looking at $50-$75 a week. Instead, stock up on tv dinners and noodle bowls when they on sale and bring them for lunch. A lot of times I see tv dinners go on closeout sales for $1 apiece and I buy all I can. Even if you splurge on the $3 meals, you would still be saving a good chunk of money.

Also, buy sodas, water bottles, and snacks in bulk and bring them to work. You can get a 12pack of soda for $3 on sale but you pay $1 for just one soda out of the machine. Fruit cups can be bought for $1 for a pack of 4 and also make a great snack at work.


Now this lady knows how to save money on lunch!
Now this lady knows how to save money on lunch!

Save money and spend less on dinner at home

The same concept applies to dinners at home too. There are ton of great, easy to make dinners that will feed a family of four, all for under $10. Some examples are spaghetti, tacos, submarine sandwiches, even pork chops with rice and gravy. There is no reason to spend $50 at a restaurant for a family to eat a single meal.

Save money and spend less on gas

Seek out the cheapest gas in your area and make that the only store you buy gas from. Also, figure out how much gas you use each week and stick to a gas budget. I fill my car up once every 2 weeks at the same gas station. If I notice after one week that I am already below half a tank, then I cut back on my outings so that the gas will last until the next scheduled fill up. Stopping at the closest station can be very costly. Where I live, gas can go up or down 25 cents a gallon in just a 3 mile drive. Also, only putting in a couple of bucks every now and then can be hard to keep track of. You never really know how much you are paying for gas or how much to budget for.

Save money and spend less on memberships

Automatic drafts for online memberships can be very sneaky. Make sure you thoroughly check your bank statements to ensure that no one is taking money out without your consent. Many times, people will sign up for a one month membership to a website for about $20. Then, a year later, they notice they have been charged $20 a month for the past year. The fine print can be so small on those things and they can often trick you into signing up for automatic membership renewal.

Also, cancel any memberships that you don’t use. You may have signed up for a tanning membership in the spring and used it almost every day. Now that summer is here and you are at the pool and the beach all the time, are you really still using the tanning membership?

Another thing to look at is if the membership is really necessary. A one hour massage costs $75, but as a member you get the massage for only $60. The catch is that you have to get a massage every month and you are under a contract. By cutting back to a massage every 3 months at $75 a pop, you save $420 a year.


Rainy Day Savings accounts can help you save with very little effort.
Rainy Day Savings accounts can help you save with very little effort.

Save money and spend less with Rainy Day accounts

Check to see if your bank offers a free rainy day account. These accounts work by pulling the change in your checking account every day and putting it in a separate account. For example, if at midnight you have $200.63 in your bank account, it will pull 63 cents and deposit it in your rainy day account. These are great because really don’t notice the money is missing and you are saving without any effort. They usually only allow several withdrawals a year so it keeps you from withdrawing the money every time things get tight. This is a great way to save for Christmas or birthdays.



    0 of 8192 characters used
    Post Comment

    • cblack profile imageAUTHOR


      8 years ago from a beach somewhere

      nifty@50...less than a year ago I got a fridge with the filtered water dispenser on the front and I love it. I save a lot on bottled water now because I refill them several times before I throw them away and when I am home I drink the water out of a cup.

    • nifty@50 profile image


      8 years ago

      Great advice! One tip to save tons of money is don't buy bottled water! Studies show in most cases it is no better and sometimes worse than tap water. At $1.00 a bottle your throwing money away. Refill plastic bottles with filtered water from home & save a ton of money.

    • cblack profile imageAUTHOR


      8 years ago from a beach somewhere

      Thanks for the comments everyone! Hope you are all saving!

    • HotRondo profile image


      8 years ago from USA

      Good advice,thanks for sharing :)

    • b.crowe profile image

      Bridgette Crowe 

      8 years ago from Morrow La

      Thanks plenty to think about it was very helpfull

    • profile image

      david stillwagon 

      8 years ago

      great advice!


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)