Easy Ways to Save

It’s Florida Saves Week!  Start small.  Think big!  Start saving for your future with these 31 easy ways to save:

  1. Save your loose change! Small amounts add up: 50 cents a day adds up to $15.00 a month, $15.00 a month adds up to $180.00 a year!
  2. Keep track of your spending. Review monthly to determine if some of this spending can be eliminated and redirected to savings.
  3. Avoid impulsive purchases! Think over each purchase, especially large purchases, for at least 24 hours.
  4. Use credit cards carefully. Avoid paying high interest rates!  Limit credit card purchases to those that can be paid off at the end of the month.
  5. Make a budget and stick to it.
  6. Take advantage of discounts and promotions.
  7. Set short term savings goals.
  8. Buy items online. Many items can be found on sale with free shipping.
  9. Purchase items in bulk.
  10. Make coffee at home rather than buying coffee out
  11. Bring your lunch to work
  12. Eat out less frequently
  13. Shop with a grocery list, if it’s not on the list don’t purchase it.
  14. Consider generic prescription drugs.
  15. Purchase store brand over the counter medications.
  16. Reduce credit card debt.
  17. Balance your checking account and avoid overdraft or bounced check fees.
  18. Pay your bills on time to avoid late fees.
  19. Shop around for insurance. You may find comparable coverage with a lower annual premium.
  20. Assess your need for life insurance. Do you have too much coverage?
  21. Keep your car well maintained. When your engine is tuned and tires are properly inflated you can save up to $100.00 a year.
  22. Live near your work if possible. Driving 5,000 miles less a year can lower your transportation costs by over $1,000.00 a year.
  23. Get a home energy audit. It may disclose easy and inexpensive ways to reduce your heating or cooling costs.
  24. Check your home for holes and cracks that let cool air out in the summer and hot air out in the winter.
  25. Use curtains or drapes that help block or let in sunlight. In the summer use them to block the light keeping cooling costs low.  In the winter let the sun in to help heat the home.
  26. Shop for sales. Purchase clothing on sale or at outlet stores.
  27. Give up cable. It can be a lot cheaper to use streaming services instead of cable.
  28. Borrow books from the library instead of purchasing them.
  29. Discuss spending limits on family gifts.
  30. Have potlucks for large family meals instead of eating out at a restaurant.
  31. Make it automatic! Set up automatic transfers from your checking account to your savings account.

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