Save Some Pennies With These Budgeting Tips

girl saving money

girl saving money

Most of us are always looking for ways to save money. And that thrifty mindset is rarely more important than in the summer when Americans fork out thousands of dollars for vacations, childcare, higher utilities, home improvements, and several other expenses specific to the season. With careful planning and the right timing, you can save a few bucks here and there by following these tips.

Up Your Earnings

Look for ways to make a little extra money to cover all those pricier activities you want to enjoy this summer. Try selling your unwanted items online, or host a garage sale. You could take on a side gig delivering food or groceries or even offer to dog- or house-sit for neighbors.

Audit Yourself

Take a look at your most recent bank statement and see if there are memberships or subscriptions you’re no longer using. Cancel anything you don’t need or can find cheaper from another source.

Swap Smart

While you’re examining your spending, see if there are ways you can eliminate or reduce certain expenses. For example, buying generic, cooking at home, and growing your own produce are great ways to cut down on your food budget.

Cash Not Credit

There are several reasons it’s better to pay with cash than credit. Taking money out of your wallet and handing it over to make a purchase is a much more tangible reality than swiping a card. When you use cash you tend to spend less. Not to mention, you don’t have to worry about that pesky thing called interest.

Be a Savvy Shopper

The summer holidays, like Labor Day, and back-to-school shopping are popular times for retailers to host some of their biggest promotions. Also keep in mind that seasonal items like BBQ grills and patio furniture will be much cheaper as summer comes to a close.

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Enjoy Free Entertainment

Not everything we do for fun in the summer has to cost a lot of money. Local libraries offer free kids programming. Outdoor festivals and concerts abound. Even merely spending an afternoon at a park or nature area is a great way to enjoy the season without emptying your wallet.

So get out and enjoy the rest of the summer! Play it smart and you’ll have a little more jingle in your pocket come fall.

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