ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

What I do to save money

Updated on March 14, 2012
Savings | Source

A question was recently asked "What do you do to save money" and instantly it occurred to me there are two answers to this question. One answer would be how my day to day living habits and financial management save me money everyday and the other answer would be how I am able to save money, as in a savings or financial fund.

The worry of having enough money to pay the bills, to buy groceries, gas, and the necessities of life is constantly on the minds of most of us; after all, we find and keep jobs to earn money to pay those bills. Those few who spend their days loving what they do are the richest of us all.

Day to Day ways to spend less

1. Think before you spend

  • Everyday on your way home from work you stop in to a convenience store and buy a beverage instead of waiting until you get home. You have just spent $2+ that you could have kept in your wallet; now calculate 5days a week x 24 (two weeks of for vacation). Over the course of a year you have spent $240 that you could have used for expenses. This is just an example but you get the point, wait till you get home instead of stopping by expensive convenience stores to buy items.
  • Lunch out, even when it is specially priced, still will cost you more than it would to pack a lunch. It doesn't have to be a boring bagged lunch, use your imagination and pack something you look forward too. Not only will you save money but you will more than likely eat healthier foods. Microwaves at the workplace make it possible for a warm lunch using leftovers from home.
  • Combine your errands and make one trip, saving money for gas and wear & tear on your car.
  • Convenience Products such as paper towels, plates, napkins are so much easier to use but each time you use those you have to spend money to buy more. When cleaning around the house try using old hand towels or wash cloths, then throw in the washer to be reused again. Paper plates are great once in awhile but it is far cheaper to wash dishes than to constantly buy new ones.
  • Note Paper can be created by saving and using the backs of envelopes.
  • Turn off those lights in every room you are not in.
  • Turn down the temperature on your water cooler, your room thermostats.
  • Take those bottles back! Most beverage bottles now have a nickel deposit. it can be a pain to rinse each bottle then take big bags of bottles to a redemption center BUT the cash you get in return can be the spending money you use during a week.
  • Lastly, and by putting in a plug for one of my own hubs, learn to make your own laundry detergent. It saves you bundles and works fantastic!!

Saving money

Putting money in a bank account can be difficult when the bills are due and with all the daily demands on your money.

One way is to have a small amount taken out of your paycheck each week. You will never see it and over time it can add up. Just make sure the amount won't hurt your ability to meet expenses.

One way is to save all of your change. Each time you use paper money put the coin money you get back into a bucket, a bottle, whatever works. Over time the coins will add up.

Join your employer's savings plan or investment plan. Often the employer will match your amount. If you begin early in your worklife you will save a significant amount during your years of working.

I think the point of these ideas is that over time your savings will add up and you won't feel the pain of trying to save large amounts each paycheck.


    0 of 8192 characters used
    Post Comment

    No comments yet.


    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)