“I Have Saved Thousands Of Dollars”: 30 Unhinged Money-Saving Tips People Swear Actually Work
Interview With ExpertWe all love saving our hard-earned money…unless, of course, you’re a billionaire with more cash than you could ever count. For the rest of us, every little saving counts. You could clip coupons, hunt for discounts, or, better yet, ask people online for clever hacks.
For example, someone on the internet recently asked, “I’m broke. What are the best ways to save money?” And no, they weren’t looking for the usual “practice self-control” tips. They wanted diabolical, genius-level answers that actually work. Naturally, the internet did not disappoint.
Fair warning: some of the tips are totally unhinged and probably won’t work for most of us, but hey, they’re entertaining! And then there are the truly clever ones that might actually help you save a few bucks (or even more). Keep reading to see the full mix of wild, ridiculous, and surprisingly useful money-saving hacks.
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I compare the price of something to what I get paid hourly, then think "would I work x amount of hours for this?".... it's usually no.
That's a very tried & true way to make decisions. I first heard it from a man who'd been in his 20's when the US Stock Market crashed in 1929, and managed to get through the Great Depression better than many others around him. He still followed his own advice up to the day he died! (Hint - once in a great while the answer is "yes, yes, I would".)
I make a pretty good hourly wage. I found I was wasting a lot of money this way. "Well, they'd have to pay me over $1000 to do this so $200 for the maid is a good deal." No, some stuff you've just got to do yourself. I kept my maid but I cut out many other useless expenses. I would not follow this advice.
Same. Neither of us two adults in the house buy coffee drinks outside of the house. Also, neither of us drink alcohol regularly. The savings makes otherwise extravagances, like a housekeeper/maid, seem trivial.
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I wait until the next day to see if I still want the thing I was about to buy (I usually forget about it forever which means I didn't need it that much anyway).
I take a picture. I'll go look at it the pic and see if I really want it.
Yup. But when I remember what it is and I see it's no longer there, then I get irrationally annoyed about something I probably didn't even need.
I hate going inside banks. I made a second savings that I can only deposit into not withdraw. if I need that money I HAVE to go inside. I have saved thousands of dollars this way simply bc I refuse.
My husband and i have a savings account and not that we've had money, spending or trust issues in the past (more so than anyone else) but we have it set up that we both have to go in and sign. We work different schedules so its not always easy for us to be at the same place and we decided if it was important/emergency enough to require savings, we would be together at the time. BUT then my husband ended up life flighted to the icu for a quite sometime...i couldnt get in!? We've got a loop hole our process now tho for this which is 2 other people *our parents or our adult children* that can be the 2nd party to sign
There will come a day when the only person who has to go inside the bank is the bank robber.
For serious savings, i put money in the account for which I don't have NetBanking and mobile banking. If I have to withdraw money, I need to call my dad, who lives in a different state, and has my cheque book. He has to go to the bank to withdraw money or transfer it to his account and then send it to me. In almost 15 years i have withdrawn money from that account probably just 5 times
I prefer going in. The tellers know me, and on 2 occasions they have contacted me ensuring the transaction is legit. One, by a local body guy who presented an insurance check I signed over. He was annoyed, I was thankful.
When it comes to saving money, it’s always wise to seek guidance from experienced professionals. To gain deeper insights, Bored Panda spoke with Khushboo Dugar, a seasoned chartered accountant from India who specializes in financial planning and tax advisory.
Her tips are practical and easy to follow, whether you’re just starting out or already managing a household budget. The goal is to make thoughtful, informed decisions that support both short-term needs and long-term goals.
Savings didn’t work cause I would just pull it out whenever I’d go shopping so I got a savings app which will take my money instantly but takes 3-5 days to pull it back out.
I’ve had to actually think before withdrawing my savings so I’ve saved enough for a car and all my vacations the last 4 years and 10k on top of that.
Start cooking. For real.
As a male, I absolutely love to cook, not matter how knackered my frame feels after a long day at work and my wife knows it! And she tells me that her fellow doctors and coworkers at the hospita keep asking her when they can come to our castle for a delicious Mexican meal (my specialty!) She cooks really good too if you want to know
I’m not overly a fan off spicy foods lol n live in uk BUT CAN I COME TO YOURS FOR DINNER PLZ 😂from a fellow home cook no matter how much pain im in ,
Load More Replies...I cook 90% of the time but I don't enjoy it. I think if I had a bigger and more inviting kitchen I'd like it more. But that'll have to wait until I buy a place.
But do you cook from scratch ? maybe even grow your own veggies u can even in a flat ,,and even in a tiny kitchen ,ok not so easy ,but I’ve done it over the years ,now have a decent size one n that’s housing association,rented out in the sticks , ,make cooking fun , if you know how to cook fresh , you can love it no matter what size kitchen u got lovely ,x
Load More Replies...We didn't have enough room in our fridge/freezer in our new house to stock up on stuff. We went to Lowes and bought a chest freezer, re-upped our Costco another year, and went and spent a couple hundred on food. We have not eaten out once since then. I meal prep every Sunday, pre-make PB&J sandwiches to freeze (cheaper than the ones you can buy at the store), and prep other snacks for lunches for me and my son (hubby eats free at work). It has saved us a ton.
I don't see why anyone was downvoting this. I've tried several times to learn to cook but ended up destroying innocent vegetables, but I respect those who can succeed. Meanwhile, I'm warming up ready-meals - still much cheaper than carrying out or ordering in. We can all win.
Load More Replies...I’ve always cooked from scratch !, and my kids do ,no processed c**p in my house also grow loads of my own veggies to , ok I’m housebound n disabled , but as a mum all be it an older mum , kids 24-21 me 60 , I’ve cooked from scratch since I was 12 ,actually younger tbh ,grandmother I grew up with taught me , n I taught my kids early on ,being in the sticks ,to so only order online shopping ( uk ) so I can shop around for prices I still manage on nothing !! Fresh food , only to ,n tbh cheapo processed shite just makes u fat and lazy !
@Crystalwitch60 You're on a roll with your fantastic replying m8! And yes! All my meals are made from scratch as well! Hell, I even brought on one of my numerous trips to America (Mexico) different tools to cook, one of them (my favourite) is an ancient molcajete, Mexicans have been using the molcajete for centuries to crush seeds and make their salsas so, I've got one to make my own salsas by hand. All I learned about Mexican food is thanks to the Mum's of my best friends there. And all started when my Dad wanted to expand the family business right there, in Mexico and fell in love with their food
Load More Replies...From a sheer cost point of view, the ingredients would nearly always be cheaper. You don't need to buy everything for every dish all the time. If you choose not to have a supply of basic ingredients in your home then you're making it seem more expensive just by looking at the total cost of everything you would need. The fact that "bulk foods are lost on" you is in fact the problem here.
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In the state of California dumpster diving is NOT illegal unless 1. There is a sign saying private property 2. There is a sign saying no dumpster diving 3. A person who is employed at the place you are dumpster diving tells you to leave 4. It is a recycling bin for bottles and cans and stuff (bc they technically count that as stealing from the recyclers). Reminder of what places also have dumpsters:
- home furnishing stores
- clothing outlets
- stores for hygiene items (like soap and such)
- children’s stores
And a lot of these places (when they’re companies) throw out a ton of stuff just because it’s “out of season” or “overstock” or whatever.
Today I read about an organization that restaurants can call to take food that they would normally trash due to safety rules. Hopefully the cold is kept cold and the hot is heated, but hey, it is a great idea.
Try the " too good to go" app. Restaurants sell off their leftovers.
Load More Replies...A guy I know cruises the nearest college town in the late spring. Grills, golf clubs, and all manner of other things just sitting by the curb for disposal.
Most companies destroy the stock when they toss it out. I had a friend who worked for a grocery store. They would throw bleach on all the food they dumped. Supposedly to discourage people from eating it and getting sick. But really it's bc people wouldn't pay for stuff if they could get perfectly good things from the garbage.
I once worked at a department store that crushed anything that didn't get sold. The amount of perfectly good, perfectly usable stuff that got wantonly destroyed was heartbreaking. Especially when they could have stored it to sell at a later date or given it to charity. I can't bear to see anything wasted like that. I quit.
Load More Replies...Khushboo emphasizes that having a savings account is non-negotiable. “Even if the amount seems small at first, regular contributions can grow significantly over time,” she explains.
A savings account acts as a safety net for emergencies and provides a structured way to set aside money for future goals, whether it’s a home, education, or investments. Starting early and being consistent is key to building financial security. Over time, small amounts add up, creating a cushion that can make a big difference when unexpected expenses arise.
Sleep for like 10+ hours. If you're only awake for like 8 hours a day, you won't eat that much. Can't eat when you're sleeping. Can't spend money on food when you're sleeping. This is doable if you're depressed!
And here's the window into my 20s. I called it stasis. Don't even need toilet paper if you're asleep. Nothing like having a nap for dinner.
Take care of it or you will find yourself in your 50s wearing the same saddle.
Load More Replies...speaking as someone who has been through crippling depression periods, this is no way to live
If youre like me it was probably that weird place you get stuck where youre "sleeping" but still able to think totally rational thoughts like "this isnt sleeping. I think im awake. Im awake? Its prob like 4am now."
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Got [angry] about the fact that smokers can (here) spend like 15 bucks on a pack per day and live the same way I do so I set money aside for "imaginary smoking."
Worked with a fellow who was always short of money. Got to talking and found he and his wife were chain smokers. Did the math and showed him how much went up in smoke each month which he had never thought about.
I want to save money. Should I start smoking to then quit it and save?
Or pretend you're buying cigarettes when the money goes into your savings account ?
Load More Replies...In the end it will cost then more because of having breathing problems and all the doctors appointments they will need to go to.
$3/pack for native smokes when you buy a case. Plus you are then protected from the spike protein.
Buy native smokes by the case and it works out to $3/pack and you are protected from the spike protein.
A mate of mine owned a grocery store in Australia. Many boring hours waiting for customers. He worked out how much you would end up with in retirement if you *didn't* buy a large bottle of coke every day from him (which many people did), and just drank tap water. I forgot the amount, but he said it would be a substantial pension.
Does it really matter? "like 15 bucks" clearly just means "quite a lot" to the poster.
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Make coffee from home and then “pay yourself” what you would at a coffee shop. Make sure you tip the barista!
I rarely carry cash so I'm not sure how I would pay himself. I also would never buy the regular drip coffee I make at home. If I'm going to a coffee shop I'm getting something with syrups and foam and whatnot. Otherwise, why bother?
Its funny people are like that bc i only carry cash. Im like an infant. If i cant see it, it doesnt exist and ill spend that money like its not real. Also, i wanted to add. I think everyone especially adults should have a "me thing" life isnt quite as exciting as you age. Its monotonous to not have anything to look foward to. You deserve to have a fancy coffee for adulting today, or some nerds gummy clusters, maybe your nails every 2 weeks or a big seasonal yard tool. In moderation, hopefully healthy and beneficial...but have that $7 fancy a*s coffee if u can afford it. Youre probably not going to end up homeless bc you walked to your stupid a*s job with a dunkin in hand. People will be like "thats $35/week!" Yea...its like the reason i get out of bed. 35 doesnt sound too bad
Load More Replies...My wife found a brand of relatively inexpensive coffee online. It comes in no frills compostible pods. For my tastes, I've never had better coffee. I had continued buying the occasional coffee outside, but stopped because it always tastes off compared to the rich flavored coffee I drink at home. When I go to work, I'll either bring my own pods or a thermos of it. My guess is it would be worth trying to find a high quality inexpensive brand that you find delicious.
I don't normally eat at McDonald's but I do buy a coffee there once in a while £1.39 versus £3.10 (Costa) makes the choice easy. I'll opt for Costa or other "premium brand" coffee from a machine if it's part of a "meal deal" at a supermarket (Sandwich/salad, drink and snack for less than £5).
So you're saving by not spending money, sure, but taking some money out of your pocket and putting it back again? What on earth is that achieving? Just do it in your head if you feel the need to remind yourself how much you're saving each time.
It is a way of learning how to break a habit by seeing the financial losses. A good lesson to teach children. Self-sufficiency and fiduciary duty.
Load More Replies...Microwave a frozen pizza and save the difference it would have cost from D*m*n*s. Not too often, though, pizzas are not good for you.
Budgeting and planning are equally critical components of financial health. Khushboo advises, “Create a budget and track your income and expenses carefully.” Knowing where your money goes allows you to identify areas where you can cut costs and save more effectively. Budgeting doesn’t mean restricting yourself; it’s about making intentional choices with your money.
Take photos of everything you wanna buy to ‘buy at another time’ you’ll forget about it within hours and never buy it.
I put things in my Amazon account but just leave it there. When I come back a few days later Ikm always like- Why did I want that?
I also have the app so I can see how much the item has cost in the past... so if I see I'm paying "full price" I park it until a sale comes around again
Load More Replies...Keeping a running photo wish list for kids is helpful. Then when they want something and you say no, you can console them with "we'll put it on your wish list." Of course be clear they won't get everything on their wish list, it's just ideas for when Auntie or Grandpa or whoever ask what they'd like for birthday.
I saw à mum give her toddler her phone to photograph everything she wanted, that Santa would bring. It stopped the whining and she had forgotten most of it by the time they left the shop. Genius.
Only every buy things with cash so it’s a real physical loss. Whenever I buy [stuff] with my card my brain tries to go “oh I’m sure we have enough just buy it” where as with cash I can see how much money I’m loosing.
I'm the exact opposite. I don't know if I've spent too much of my life in spreadsheets or what, but if I see that number ticking down I panic. Real money just feels like paper to me.
One of my co-workers said the same thing. "Spending cash doesn't feel like I'm actually spending, because it never appears on the card statement."
Load More Replies...I don’t remember the last time I even had cash. With online banking it’s so easy to see what you spend on the apps so I find it easier to monitor card payments than cash.
*losing. This is basic brain training and maturity. A credit card is a means of payment, not free money.
Either way works, depends on which you see as 'real' money and which is 'just numbers'.
I'm kind of the opposite. Cash just disappears. Especially in smaller denominations. It's amazing how many little treats I end up getting myself if I happen to have a bunch of one and fives in my wallet.
I understand the intent but it's not very practical nowadays. Money is gross too.
"Money is gross"? Not being a jerk, but money is just a way of exchanging your time/labor for goods/services. In a free market, you need a way to do this unless you want to drive a wheelbarrow full of produce to the cellphone store to pay your bill. Barter sounds nice and can work in some limited cases but not all; and is a lot of work to arrange. Communism doesn't work because most humans are simply not wired to be satisfied with "just what they need" and "what everyone else gets". And IMO giving everyone a "basic living stipend" or whatever you want to call it, has similar problems. I'd be interested to hear if you've thought this out and have any suggestions!
Load More Replies...Many places no longer accept cash. I worked on a college campus before I retired, and they went cashless a few years ago. Before that I would purchase my lunch on campus a few times a week. At that point, I decided I would never spend another dollar for lunch on campus. I took my lunch every day, and saved a bundle.
If I ain't got the cash, I don't need it. Cash is king for us! We can always hit the ATM if really needed.
Most of these "hacks" are actually based on making your life quality worse, but here is the thing: get very good at spotting expenses that will or won't actually impact your life quality.
Whenever I want to buy something, think I need to buy something or am tricked into wanting to buy something, I wonder: will this actually make my life any better? And if so, can I obtain the same result from something I already own/can have without buying? This usually puts me off from buying, without leaving me with the feeling of missing out on something, quite the opposite.
It does get easier when you start thinking of it as discernment rather than missing out.
Use this logic when choosing between different quality items too - will you notice the quality difference, and will the higher quality item improve your life enough to justify spending the extra? If it's a long-lasting product you use frequently, spending an extra £20 on the front end for added convenience or comfort is often worth it.
Why would you do something that would make your quality of life worse? A lot of "worse" is people coming to grips with expensive, usually unhealthy habits.
Impulse purchases are one of the biggest challenges, especially with online shopping so readily available. Khushboo suggests taking a pause before making non-essential purchases. “Ask yourself if you really need it, or if it’s just a fleeting desire,” she says. Waiting even a day or two can prevent unnecessary spending. Being deliberate about purchases is just as important as earning money itself.
Once you ignore the first urge to purchase something you don't need, it becomes easier.
1.) pick object up 2.) ‘oh this is cute!’ 3.) put object back.
1. Pick object up 2. Oh this is cute 3. Check price 4. Naah not so cute 5. Put object back
I just don't go shopping for pointless junk in the first place. I only buy exactly what I need. Nothing more.
From my mom that helped me a lot: When you want something wait five days, if you still want it then, get it. If not, you didn’t really really want it and it would’ve been a waste of money.
Set a goal and write on paper each time you add money. Put it up somewhere as seeing your goal can help motivate you. It’s like a game, and reach that goal, ticking off checkpoints, is like a reward!
My mother once heard the idea "put your credit card in a bowl of water and keep it in the freezer. When you want to buy something, take the bowl out. If by the time the ice has melted you still want it, go ahead and buy it!"...and promptly did this with her AmEx. Literally. The same card, by the way, she used to call her "American Distress card". Somehow I don't think the person telling her this meant it literally. But my mom was bip0lar so....#yourMileageMayVary
You can waste money travelling and parking if you do that too often. Also, it may be gone by the time you get back.
Especially if you travel to park outside your ex-boyfriend house so you can play '"In Your Eyes' on a boombox you found at the local Goodwill, but his new wife doesn't appreciate it and sprays you with the hose while calling the police.
Load More Replies...Reviewing bills regularly is another practical tip. “Check subscriptions, recurring payments, and services you may not be using,” Khushboo advises. Canceling unnecessary expenses can free up money for more meaningful priorities. Additionally, comparing prices and looking for deals ensures that you get the best value for your purchases. Small adjustments like these can have a big impact on overall financial stability, while also creating awareness of spending habits.
When I'm broke I eat super spicy food so it "lasts longer" I feel full for more time than I would if it weren't spicy.
When I wanted to lose weight, I would drink tomato juice with hot sauce and it was filling.
Not unhinged but I really like Acorns. Whenever you buy something it rounds up to the nearest dollar and puts the extra few cents away and invests it. It's also satisfying for every purchase to be a nice round number.
Move all but a "spending" amount into savings. If you don't have it in checking you don't "have it."
Direct deposit $50 per pay, or more if you can into savings. Same with tax returns. I know, getting a refund is poor planning, but it works! 'Extra' 3 grand or so a year
50$ a day???? Thats 1500$ a month! That's more then I earn.
Load More Replies...Peer pressure can influence financial decisions more than many people realize. Khushboo warns, “Never spend unnecessarily just to keep up with others.” It’s easy to fall into the trap of trying to match someone else’s lifestyle, whether it’s buying flashy gadgets, cars, or luxury items. Instead, focus on your own goals, priorities, and financial well-being. Protecting your money from external pressures is crucial for long-term stability and peace of mind.
Write down every penny you spend, you become too aware of how much you are spending and that stops you for doing unnecessary purchases. "I can't spend $8 on coffee I already spent 70% of my paycheck and there is 10 more days till my next paycheck."
I have been tracking every dollar in Microsoft Money 2002 since... 2002!
It also comes in handy when you want to find out when you bought something. I have records going back to 1999 and it's amazing how often when something breaks and I think "I just got that" the records actually show that I got 20 years of use out of it.
Online shopping doesn't exist. Have to go in person.
Where I live it's the other way around: only in person exists in small towns, there's no online shopping. (That's for groceries. Of course you can still order stuff from Amazon, eBay and the like.)
Load More Replies...Unless you live in a big city with a lot of diverse shops, there’s plenty of stuff you can only get online. Also, it’s often cheaper and you don’t have to spend money travelling around to look for it.
On groceries I spend more in person, due to getting tempted by special offers and extra items. Online shop, I only buy what I need. And the delivery charge is less than what an Uber would be to bring me home with the groceries
Lists against the ads, only buy it if it's on the list. Buy family packs of meat and freeze it. Frozen veggies are typically cheaper (and tastier) than canned.
Load More Replies...Hope you have 4 hours to drive round trip to the nearest city with shopping. Because that's what I would have to do.
Depends where you live. Is it really cheaper if you drive around huge amounts in these gas prices or take several bus/trains/subway to get an item?
self control does exists. and it is really good to develope for saving money
If this works for you, that's great. Gas is a cost to factor in, and parking depending where you live. Or fare.
Watch a documentary or YouTube videos about overconsumption. Follow more Instagram accounts that talk about the environment and capitalism so that it's in your daily feed.
If you see something cute in a store that you don't actually need, ask yourself how long it will sit in a landfill after you die. Think about how much space an item will take up in your home.make handmade gifts instead of spending money. Learn how to sew.
Please just don't get me anything. I do not want your hard worked, hand made "gifts." I'd rather you save me and the landfill from more junk. I really don't even like people buying me presents anymore. Bc honestly, if I want something I'll buy it. Please don't waste money buying me a candle or smelly soap. The only gifts I do like are the ones I give my son money to buy. Bc I'm always so curious how his little mind is going to work.
There goes the pair of gloves I was knitting you
Load More Replies...Gosh, I hope people really do enjoy the handmade gifts I give them. I mean, they say they do.
Handmade things are beautiful IMO. Even if the item itself may not be to my tastes, the fact that someone would make something for me means the world. ❤️
Load More Replies...I do this with my kids. I explain that I don't buy fruit squeeze pouches or yogurt tubes or lunch pouches of chips because they cause so much garbage. I will make applesauce and portion it into containers or dole out chips in reusable bags, and purchasing larger quantities tends to be cheaper.
A close friend of mine presented me with a crocheted blanket made by his industrious aunt for my last birthday... It's got a profusion of colours that aren't my taste. Currently it's lying in a wardrobe upstairs. Not sure what I'll do with it. I prefer consumable gifts- food, drink, candles etc.
Avoid comparing your lifestyle to others, even subtly. “Just because someone else makes a big purchase doesn’t mean you should,” Khushboo explains. Maintaining perspective and staying true to your personal goals helps you avoid debt and regret. Financial independence is about making choices that benefit you, rather than following trends or succumbing to societal pressure. This mindset fosters long-term security and confidence in your financial decisions.
Delete all the apps that you will buy stuff on..
Don't bank or shop on your phone. If you lose it, you have a problem. Use a secure computer.
You can actually log out of the apps when you aren't using them. Besides, in here buying anything online requires confirmation from your bank app (you need to log in the bank and write your safety code before the shopping app/website can access your money - takes about 10 seconds but adds so much security).
Load More Replies...Right, easy to say! I only have one rule and Wife knows it! I don't bloody care how much it costs the stuff she wants, but if it has the tag "made in rubbishland (china)...it goes back! I refuse, utterly refuse buying stuff with that tag! Most likely made by some 8y/o child in that awful...
..pretty much everything is made in china....
Load More Replies...I have adhd, so I used to my advantage and put all the cash i owned into a drawer. I forgot about that drawer. Never opened it. When it was time for me to move i had almost 1k in cash saved to help with moving costs.
Not trying to be pedantic, genuinely confused. If you forget about the drawer, never open it, did they just put 1k in there? The last bit sounds like they kept adding to it, but how do you do that if you never open the drawer?
This is true. Drawers do not exist for most people with ADHD. If anything actually gets put away in my house, like in an actual drawer or cupboard, I forget about it. Except for 1 drawer and 1 cupboard I look through everyday.
*think its empty, gives it to charity, remembers one year later while having a shower*
Load More Replies...No it doesn't. ALL money 'loses value' if you are talking about inflation. Otherwise, even if a banknote is recalled (new designs being circulated etc), then banks are required to exchange them for face value.
Load More Replies...Put all the money you can afford to put into a CD account you cannot touch that money for a set amount of months to years. If you withdraw money before the set date you will be faced with a penalty. Definitely makes you reconsider what you actually need money for.
I wouldn't like that. If something came up and needed money then I would be losing out on money because of the penalty.
The penalty is typically only the current quarter's earned interest.
Load More Replies...Unless you have 10 grand to play with it makes little sense for those of us bouncing along the bottom of society.
I would just end up taking the money out and getting penalized all the time.
If you're able, CDs are a no-risk, easy way to make a bit of interest. You don't need any special financial knowledge or ability. Just check with your bank or credit union.
Khushboo also stresses the importance of discipline and consistency. Regularly saving, monitoring expenses, and making thoughtful choices form the foundation of a healthy financial life.
Finally, she reminds everyone: “Always remember, it’s your hard-earned money. Treat it with care and respect.” Being intentional, planning carefully, and making thoughtful decisions ensures that your finances support your life goals. Whether it’s saving for emergencies, investing for the future, or managing day-to-day expenses, the right approach helps you achieve stability and freedom. Consistency, awareness, and patience are key to long-term financial success.
I trick myself into thinking I have less than I actually do. I got paid 400? Nah I read that wrong its 300. If I try to go shopping? I think to myself "now you know you only have 150 left" I still buy things but I think about it A LOTTTTT MOREEEE and typically only by things that are cheap that I know I will use again.
I don’t know how people manage to do this kind of “trick”. The real knowledge is right there in my brain, I can’t just ignore it.
Set up a standing order to "Pay" your savings account the day after payday. If you can, label the payment something like "Appliance Repair/replace insurance" or "Car repair prepayment" instead of "savings" or "Holiday fund". Having the money gone from the current account/main banking app, and designated as non-fun money helps.
Load More Replies...I decide by the end of each month how much I'll put on my savings account. Sometimes it's 1000 kroner. Sometimes just 500. On my no spend months I make myself put 1500 kroner on the savings account. And then my adhd brain forgets I have those money put aside and I only have what money is on my income account. So I pretty much, as soon as I get money on my account, put some of them away and forget about them.
1$ into savings every time you say dude.
"Like" or "If you know what I mean". We criticise people for saying 'um' or 'er' because it indicates they haven't fully thought out their sentence before starting it, but we, like, don't mind people, like, saying like all the, like, time. It's infuriating.
When I was in jail (don't ask) we played the 'um' game where people spoke and I put a tick on the board for each 'um'. We were trying to teach opiate addicts how to survive in a sober life and find a job. A silent pause is better than an um, but what beats that is being prepared and rehearsing.
Load More Replies...Sounds like the Swear Jar. They had one at school. It paid for the history trip to some old castle in or near Wales. Plus, you got to say "Aw f**k no!" to extra homework so long as you put your money into the swear jar. ;)
I transfer into savings whenever my current account doesn't end in a 5 or 0. If it ends in eg. £13.67 then £3.67 goes into savings. I check my bank on my phone everyday so it adds up.
Oh, it could be much, MUCH better! If that person is one of those annoying individuals who don't stop saying those annoying words of "omg" in every sentence...they might become millionaires in no time, just saying
Did you put $1 in savings for that "just saying"? ;-) JK
Load More Replies...I gaslight myself into thinking I'm broke until my next check.
I actually went completely broke about a year ago. Now I'm making much more money. But I keep pretending I'm as broke as I was at my lowest point. It's saving me a lot of money.
People who've been adrift in a lifeboat have been known to spend the rest of their lives , after rescue, hiding bits of food away. If we start doing this with money (but in something sensible like a high interest savings account) we'd all be amazed after a year or two.
Load More Replies...Put all your paycheck into non-withdrawal deposit (as other suggests) and you actually will be :)
While Khushboo’s money-saving tips are practical and effective, some of the suggestions from these posts might seem a bit questionable. What do you think—would you try any of them? And what’s your favorite trick for saving money? Share your tips with us so everyone can benefit!
Get a cute glass piggy bank that doesn’t have a way to open at the bottom or the top so you feel bad for breaking it and wont do it until it feels worth it.
I get too attached to cute objects… I’d literally never break it so I might as well have thrown the money away!
We toss spare change in our (accessible) piggy. Grandkids are the recipients. Gave 'em each $50 recently.
Glass piggies can be raided with a slender knife. Insert into slot and coins will fall out with encouragement. Trust me.
Pretend you're having an emergency. Your car isn't broken? It is now, you need $200 to fix it. You need a blood test, it's $100. ONLY THING THAT WORKS FOR ME!
Only $200 to get by your car fixed? That is pretty cheap unless it is a minor problem.
this car is so exepnsive, that even imaginary break is $200
Load More Replies...I _think_ the point they are trying to make is if you pretend you have emergencies that required unplanned spending, then you will be less likely to blow cash on things you don't need.
Load More Replies...One time I drove around nice neighborhoods on trash day then turned around and sold the curb scores at my yard sale.
Every single dollar bill ($1 bill) and all my change goes into a jar.
I make people pay me back in cash because I refuse to spend cash…so at the end of the year I just have a bunch of cash.
What happens at the end of the year? Are you turning into cash-throwing beast?
No..but in the US, your 'Uncle' need not know.
Load More Replies...Buy bonds you pretty much can’t touch the money for a period typically 3 months to 5 years but they can go for any length. Also consider a high yield savings acct at an investment place. Typically it’ll take 24 hours to transfer money to your checking and you be able to use it. This would stop impulsive buying as you’d at least have a small@think it over period. Plus it earns good interest and you can leave your money there risk free.
You want something, think about it for like two months and I mean two months. If it’s something that won’t go away after a while, then use that rule.
Use all the social services you can get your hands on. There are free meals everywhere if you find them. Particularly at churches and community centres. I didn’t know until I was part of that realm but there’s a lot of help and resources available when you start looking (hopefully).
Only if you actually need it though. Don’t take resources from other people in genuine need.
If you don't 'need' it -- volunteer. Volunteers at these places get all sorts of perks...and no guilt that way.
I've done that when the bank account got too low, but I stopped when it came back up.
you can do that regardless of your wealth level, but people may get irritated if they find out.
Rather than buy and cook a whole meal, I would make a recipe from what's available. I also forage, trade, fish and garden. Lastly, I build and repair my own things. This lifestyle is rewarding for me bc I find it fun but it's also allowed me to live in 11 countries and travel for over 10 years straight!
Sounds like a trust fund may be involved here. That kind of charmed life is awfully hard to achieve around a 40 hour work week
There are online sites that let you input what food you have on hand and generate recipes.
Eat beef and rice, bike everywhere, get rid of music subscription but use YouTube, have 6 outfits can easily be mix and matched but simple.
When you live in a small town where there is not much around, riding a bike everywhere is not an option.
That sounds totally practical and liveable to me. Keep one or two extra outfits in summer/winter standby for formal occasions and you are good to go.
Remove all cards from your phone and then at the start of each day think to yourself: 'do I need money today?'. If no. Leave any physical cards at home. Can't spend money I didn't bring.
That sounds like a safety issue. You also can't get an uber away from a situation or something
Yeah, no way. I always have at least one card with me. But it's a debit card. So it's real money that would disappear and not credit I can run up.
Load More Replies...I budget my money by day so I'll have a daily budget of like 20 ish dollars depending on how much I make I try to stay in that or I'll save one day to spend more on another.
As long as you do the saving first, The road to Hell is paved with "little treats I'll pay for tomorrow".
Go on night shift, can’t spend money when you’re only awake when everyone is asleep and everywhere is closed.
Please don't shop on Amazon. They're beastly to their employees.
Load More Replies...One nice feature of that is you also get a shift premium of 20-50 cents/hr
Been there, done that, was massively glad when I could walk away from that and work sociable hours.
1 no spending week a month+ planning head has been a money saver without decreasing my life quality.
"But that's $20 you can save for X thing you want" And nearly every time it works.
My method worked. Split all your spending into two categories: Predictable (bills, payments) & Non Predictable (groceries, gas, cash spent, eating out) Spending. From there subtract all predictable spending from your total paycheck, and then divide what’s left with needs first, and then choose one want. The goal isn’t the reach the cap of your paycheck on one category but as little as you can so next paycheck what you didn’t spend on those categories can be saved and you do it again.
Definitely, rolling over whatever is left in your current account the day before payday, into your savings account, is a very powerful tool.
Im also bad at saving so I bought this metal box online for like 10$, and the whole thing is like complete metal and it only has one little slit in it for you to insert bills and the only way you can open it is if you rip it apart with a crowbar or bash it with a hammer so once I put money in there its like a commitment and it stops me from just taking cash out whenever I want.
This is a bad idea. How are you going to get money out without damaging the actual money? I don't think a crowbar would work to open something metal that was welded shut on all sides like that. I think you'd have to cut it out, and that probably means sparks. No bueno with paper money.
Work at a restaurant just for the employee discount.
Work in the food industry.
I separate my income into percentages. i put 30% into savings , 10% emergency savings. i don’t tap into those so it’ll build up slowly!
Watching videos of people with the thing I want so I can satiate my need.
Sounds silly but I play a fashion game on my phone where I can “buy” fancy clothes for my digital models using points in the game. It actually reduced my tendency to buy pretty but impractical clothes because I get another way to “own” them!
Not for money but my colleague was trying to lose weight so he would watch food videos while eating lunch to imagine he is eating something really tasty
It's a false broke advice because you need to have a job where you have to travel, but basically I pay all the travel fees with my own card, so I'm even broker. And the next month the company send me the money to compensate. But I've already had my pay and survived the last month, so I put that monney directly into my savings.
$20 into savings every time some random celebrity posts on instagram, I use sabrina carpenter.
I hide money from myself so whenever I need it I just have to clean my room.
Snything that I contemplate buying, i just put that amount in my savings! its not full-proof but its something thats weirdly helped me!
The 52 weeks challenge :) the 1st week of the year save 1$, the 2nd week save 2$ etc.. up to the 52nd week! (You don't have to do it in this order but it helps ;))
are you +1 or double? In foirst case you will save impressive $1,326... in second, lucky you to earn over nine quintillion
Nobody 'earns' nine quintillion, because nobody's contribution to society is worth that much. Certain people I'm thinking of, owe the world ...
Load More Replies...I literally hyperfixate on random documentaries on yt and such to not go out till everything is closed cuz I forget the world exists. This also includes eating. Less shopping = less money spent.
I feel sorry for the ambulance crew who find your emaciated body, though ...
If you buy makeup wipes, buy the cheap Walmart brand ones and cut them into smaller pieces. Saves me loads.
i work in a restaurant, the owner is a close friend to my family so i just told him to keep my paycheck untill i need it, so the money is just coming, i don’t have it, so i can’t spend it, win win.
You better hope that the owner really is your friend, or you could get seriously screwed over. If I read this right, there's parts of, or entire paycheques, that your employer is holding for you, like a bank. If that amount starts to build up, it would be awfully tempting for the employer to start using it for their own needs, with the thought that 'you'll only ever call in part of the debt'. Banks operate that way too.
indeed they do, research 'fractional reserve banking' if you're brave enough. then start keeping your savings hidden under your mattress ...
Load More Replies...I don't look at Amazon, or go shopping really anywhere. I get my groceries and that's it.
If you couldn’t buy it twice, you can’t buy it once.
Books don't count. In fact they never do, when money saving hacks are being discussed.
Load More Replies...Never carry your wallet with you.
maybe have two wallets, one with money you expect to spend that day, the rest hidden at home. It does annoy muggers, though.
I never installed the app to pay per phone. And I'm sure I'm not the only one
Load More Replies...Whenever I need to save money I'm just like "damn, I really want a pack of cigarettes cause I just ran out. But maybe I can buy three if I save 50 bucks." And I force myself to only buy one and then I have the other 35 bucks for the remaining month and I'll just keep doing that until I have like, 100 bucks, then I'll spend enough and stop when I'm like, "damn, I need money for 3 packs of cigs." Works well.
If you stop smoking you'll save a lot more money and improve your health.
Just buy native smokes for $3/pack when you buy a case. Plus you are then protected from the spike protein.
I have a shopping [problem] so i go to a retail store, almost fill up my cart, convince myself i don’t actually need any of it and put roughly what i would’ve spent in savings.
And presumably leave the trolley for some poor employee to unload, and throwing away any perishables! Not nice!
Filling your basket on Amazon can be just as satisfying, and much less work for the employees.
Get a hospitality job, step 2) get depressed step 3) once you’re depressed you won’t want to go anyplace. No going out= no spending money. Personally tested.
I hope you find a better job, preferably one where you can feel you're helping people. Better pay would be good, too, of course.
Buy the cheapest thing possible for everything you need. Use reusable things. Cut up old clothes and use them as toilet paper and wash them after use (doesn't work for poop). If you have food left over, do not throw it out, make something else out of it or save it for later. Instead of buying chips, season potato peels and bake them, makes for a great snack. Buy second-hand items.
"Buy the cheapest thing possible" is precisely cheap boot theory... not good
It's better to save up and buy quality items that will last. For example, the shirt I'm wearing today is about 10 years old and the shoes - basic loafers that don't go out of style - are even older.
Fully agreed - read up "Vimes' boots" for a full explanation.
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My brother started going into supermarkets and purposely slipping over and pretending to hurt his head so he can get free frozen veggies.
oh no please, take this ice away, carrots will easy my pain much better
there's really only about three things being listed here, then just variations on these themes. 1. Don't buy stuff you don't need. 2. Force yourself to think about whether you need something before you buy it. 3. Make it more difficult for you to access funds to ensure that you really _really_ think about whether you _really_ need something before you buy it.
Yeah I was expecting more. I guess you could add but second hand when possible. Before the pandemic there used to be a lot better discount stores around me too. Big Lots had actual overflow like Snyder pretzels for several dollars cheaper than grocery store. Sierra Trading Post I got some really good deals on brand name items and couldn't find any flaws or super minor. The outlet store mall near us had actual discounts. Not including what good will used to stock some nice cast iron pans and such that were easy to restore. The discount stores now stock a lot of their own brand items and few name brand items .
Load More Replies...Ok, there is saving money, and then there is punishing yourself for being alive and human enough to have wants and needs. If your entire life is going to be lived in a state of misery where you never get anything you want or everything is 10 times harder than it has to be just to save $10, that is just a long miserable life. Save for the future, sure, just remember that no one is guaranteed tomorrow and you can't take it with you.
But also remember that you're going to retire one day. And start saving for it now. So you're not in a panic when you're 50 and having to build your retirement back up.
Load More Replies...I have one! Im an American server/bartender so i get paid primarily cash-in-hand. Its very easy to spend especially bc im not the primary bread winner so my earning really are our families spending money. My $1 bills get put away off to the side immediately. I never even count them. It may be $3 i put in today and $30 tomorrow...idk? Then when the containers full i take it to the bank in a seperate savings account (from emergencies) about 7x a year, i turn in about $500 1s i didnt know i had. Thats how we pay for vacations, big family outings, seasonal passes ect. Put yours aside and see what you end up with (if you can)
I'm very introvert, so I don't socialise. That saves a tonne. I don't drink, smoke, or do d***s (who needs d***s when there's sugar?). That saves loads too. And my favourite food is linguine. I eat beef/chicken/cod but infrequently (and pork never, it's gross). I have a minimum wage job and I can still put away (into savings) a few hundred every month. My biggest expense that isn't a regular bill like internet/electricity/insurance/etc is...cat food. 😻 Anna eats better than I do! It's not a miserable existence as I willingly choose to be alone, and I'm happier by myself.
This is going to sound ridiculous to a lot of people but my wife and I don't really buy a lot of stuff. We both work full time and we spend our money on buying food (for us and the dog), our mortgage and our water and power bills. We have some subscriptions (for TV/movie streaming). We drive an electric car that is already paid for. Our entertainment consists of the aforementioned streaming apps as well as video games, outdoor adventures and the occasional social thing with friends (we don't drink booze so those social moments are pretty cheap). It may not sound terribly exciting to most folks but we're not striving for excitement, what we're looking for is a little bit of peace and tranquility. We save money pretty well because we live cheap.
Likewise, we live pretty frugally. One car, 2 bedroom 1 bath house and are able to live on just 1 income. Vacations are not extravagant, and usually involve visiting family or friends.
Load More Replies...When money was tight I would figure the total of my monthly bills and how much to save from each paycheque. Then opened a seperate account the money went into. Never touched it until bills came due and so was able to pay them off. Having everythig in one account it was too easy to wrongly think I could splurge and then come short at bill time.
What I've done for the past 20 years or so is the day after payday, check my account. If there was £75 in there, £25 goes into a savings account. If it's £100, £75 goes into savings. Basically, unless it's a negative number, zero or less than £50 it goes into savings. This has worked for me.
Never pay interest. Save up and buy reliable things. Toyota and Lexus will drive for 300,000+ miles, so buy a used one. Do research before buying anything you will own more than a year.
I used to spend all my change in the pub fruit machines on a Friday. Then I decided that I would stop when I had 50p left. This then became £1. From there it was mentally simple to set a limit of what I would spend. A lot of it is about budgeting and not spending more than you earn.
I presume "fruit machines" is a colloquialism for what is called in the U.S. "slot machines" or "one-armed Bandits"...but I am amused picturing someone in a pub getting drunker and drunker and buying actual fruit over and over from a machine as it piles up on them :-)
Load More Replies...there's really only about three things being listed here, then just variations on these themes. 1. Don't buy stuff you don't need. 2. Force yourself to think about whether you need something before you buy it. 3. Make it more difficult for you to access funds to ensure that you really _really_ think about whether you _really_ need something before you buy it.
Yeah I was expecting more. I guess you could add but second hand when possible. Before the pandemic there used to be a lot better discount stores around me too. Big Lots had actual overflow like Snyder pretzels for several dollars cheaper than grocery store. Sierra Trading Post I got some really good deals on brand name items and couldn't find any flaws or super minor. The outlet store mall near us had actual discounts. Not including what good will used to stock some nice cast iron pans and such that were easy to restore. The discount stores now stock a lot of their own brand items and few name brand items .
Load More Replies...Ok, there is saving money, and then there is punishing yourself for being alive and human enough to have wants and needs. If your entire life is going to be lived in a state of misery where you never get anything you want or everything is 10 times harder than it has to be just to save $10, that is just a long miserable life. Save for the future, sure, just remember that no one is guaranteed tomorrow and you can't take it with you.
But also remember that you're going to retire one day. And start saving for it now. So you're not in a panic when you're 50 and having to build your retirement back up.
Load More Replies...I have one! Im an American server/bartender so i get paid primarily cash-in-hand. Its very easy to spend especially bc im not the primary bread winner so my earning really are our families spending money. My $1 bills get put away off to the side immediately. I never even count them. It may be $3 i put in today and $30 tomorrow...idk? Then when the containers full i take it to the bank in a seperate savings account (from emergencies) about 7x a year, i turn in about $500 1s i didnt know i had. Thats how we pay for vacations, big family outings, seasonal passes ect. Put yours aside and see what you end up with (if you can)
I'm very introvert, so I don't socialise. That saves a tonne. I don't drink, smoke, or do d***s (who needs d***s when there's sugar?). That saves loads too. And my favourite food is linguine. I eat beef/chicken/cod but infrequently (and pork never, it's gross). I have a minimum wage job and I can still put away (into savings) a few hundred every month. My biggest expense that isn't a regular bill like internet/electricity/insurance/etc is...cat food. 😻 Anna eats better than I do! It's not a miserable existence as I willingly choose to be alone, and I'm happier by myself.
This is going to sound ridiculous to a lot of people but my wife and I don't really buy a lot of stuff. We both work full time and we spend our money on buying food (for us and the dog), our mortgage and our water and power bills. We have some subscriptions (for TV/movie streaming). We drive an electric car that is already paid for. Our entertainment consists of the aforementioned streaming apps as well as video games, outdoor adventures and the occasional social thing with friends (we don't drink booze so those social moments are pretty cheap). It may not sound terribly exciting to most folks but we're not striving for excitement, what we're looking for is a little bit of peace and tranquility. We save money pretty well because we live cheap.
Likewise, we live pretty frugally. One car, 2 bedroom 1 bath house and are able to live on just 1 income. Vacations are not extravagant, and usually involve visiting family or friends.
Load More Replies...When money was tight I would figure the total of my monthly bills and how much to save from each paycheque. Then opened a seperate account the money went into. Never touched it until bills came due and so was able to pay them off. Having everythig in one account it was too easy to wrongly think I could splurge and then come short at bill time.
What I've done for the past 20 years or so is the day after payday, check my account. If there was £75 in there, £25 goes into a savings account. If it's £100, £75 goes into savings. Basically, unless it's a negative number, zero or less than £50 it goes into savings. This has worked for me.
Never pay interest. Save up and buy reliable things. Toyota and Lexus will drive for 300,000+ miles, so buy a used one. Do research before buying anything you will own more than a year.
I used to spend all my change in the pub fruit machines on a Friday. Then I decided that I would stop when I had 50p left. This then became £1. From there it was mentally simple to set a limit of what I would spend. A lot of it is about budgeting and not spending more than you earn.
I presume "fruit machines" is a colloquialism for what is called in the U.S. "slot machines" or "one-armed Bandits"...but I am amused picturing someone in a pub getting drunker and drunker and buying actual fruit over and over from a machine as it piles up on them :-)
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