121 Awesome Ways to Save Money as a New Parent

Save thousands of dollars every year with these money saving tips !

Experiencing parenthood, is perhaps the most gratifying thing a person can wish for. Your little one will be worth all the sacrifices in the world. You likely are, and reasonably so, overcome with excitement at the prospect of caring for your unborn baby. Babies bring lots of joy to their parents’ life, but they also invite stress. The most notorious of these stressors, is money.

Considering the average cost of raising a single child is estimated at a minimum of $12,000 for the first year and estimated to be $245,000 for your child’s first eighteen years. It may seem inconceivable to imagine earning enough to raise your new baby and maintain a similar standard of living compared to your current state. Your baby will change your life regardless, and while you may want to find a new means of earning money it will be useful and perhaps easier to find ways to save the money you are already earning.

Luckily for you, there are plenty of ways to do that, without causing yourself excess stress. We have created a list of 121 ways to save money, that will be especially useful for new parents. These tips will permit you to spend your money wisely and allow further use for your money.

Saving on Baby Items

The items you need before, and in the first few weeks, of your baby’s life could cost you a fortune. The following 18 tips will help you save. They may even cut the cost in half.

  1. Return unwanted gifts or things that you won’t have a need for promptly – you’ve probably received several new gifts as a new or expecting mom. Any gifts that you won’t use or have received more than enough of should be promptly returned to the store. Many stores have a limit on the number of days you can return the gift and you don’t want to miss this time frame. If there is nothing you need, consider replacing the gift with a gift card and you can purchase needed items later.

  2. Avoid unwanted gifts altogether - As a new parent, you will likely buy the items you want, whether you receive them or not. To ensure you receive the gifts you want, create a baby registry at the stores you like. Make sure you tell everyone you’ve created the registry. Your friends and family will want to purchase things off the registry because they’ll already know you like them.

  3. Purchase products that grow with the baby or have multiple functions – there are several cribs on the market that convert to toddler beds, which prevents parents from making multiple purchases. There are also carseats, which function as booster seats when altered. Also consider the changing tables that function as a dresser combo (they look great with any theme nursery).

  4. Don’t splurge on bottles – here’s the thing. Every mom in your new mommy circle will tell you what the best bottles on the market are but that doesn’t mean you should rush out and buy them for your baby. In fact, you’ve probably heard of two or three brands and types that are top of the line and every baby loves. You should only listen to one person regarding the best bottle for your baby, your little one. That’s right, your baby will show you which bottle is their favorite by only taking certain nipples or bottle types. Purchase two or three bottles before your baby is born to determine which works best with his feeding temperament.

  5. Wait to purchase toys - Every toy commercial advertises a small child playing with toys. In reality your baby will have little to no interest in toys until they are a few months old. Even then, your infant will enjoy a few particular toys. Have a couple of toys on hand but don’t spend outrageous amounts of money on them, yet. Your friends and family will likely supply you with a lifetime of toys. They would rather buy your child toys than diapers.

  6. Never shake your head at hand-me-downs - Almost every parent you know will offer you their child’s old things. Say yes! You could save hundreds of dollars by accepting clothes, unopened diapers, and bedding that their children have grown out of. Even if the clothes are a little big, keep them. You will use them in the future. Children’s outfits typically cost at least $15 each. Children grow out of clothes so fast, that the hand-me-downs often have little to no wear and tear.

  7. Try breastfeeding - Breast feeding is considered the best way to nourish your baby, but it is also very inexpensive. Formula can cost anywhere from $15 to $30 per container. As your baby grows, he will increase the amount of formula he drinks. Your body naturally produces the nourishment your baby needs, for free. Take advantage of that. Breast feeding is a lot of work, but is well worth it.

  8. Use powder formula - If you formula feed your baby, use the powdered mixture. Liquid formula can cost more than double the amount of powdered formula, when you consider the amounts. If you buy a decent brand, powdered formula is just as good as the liquid form.

  9. You won’t necessarily need breast feeding clothes - You can easily breast feed in simple clothes, like a t-shirt. Clothes are already expensive, so it may not be the most financially friendly move to purchase special breast feeding clothes.

  10. Consider generic diapers - Huggies and Pampers may be the biggest brands, but that doesn’t mean they are the best. There are multiple brands that work just as well and cost a pretty penny less. Some brands cost up to $10 less per box than the leading brands. Read the reviews and make the best choice for your baby, but consider generic diapers as an alternative.

  11. Hold on to outgrown clothes or unused items - This doesn’t mean keep them forever, just keep them until you have a decent amount, then sell them. Earn some of the money you spent back. There are multiple stores that purchase gently used, children’s items. If there isn’t a store in your area consider a yard sale. There are plenty of parents and grandparents that will buy your child’s old things.

  12. Shop wholesale for baby products – you probably already have a membership to a local wholesaler. You will now use it more than ever and save money in the process. Purchasing diapers, wipes, formula and much more in bulk will save money annually.

  13. Allow your family to help - If someone in your family asks what your child needs or if they can keep them for a weekend, let them. Tell them what your child needs, and let them keep your child overnight. It can save you money on products and child care.

  14. Store a diaper bag in your car - Keep your car stocked with extra diapers, wipes, bottles, or anything else your baby will need. This will prevent you from forgetting things, and needing to replace them promptly. After you forget your baby’s bottles, three or four time, you may have spent up to $40 on something, you already had plenty of.

  15. Join a baby care club - There are rewards clubs specifically designed for parents. Each time you purchase qualifying baby items, you could earn rewards points. Which you could then use on a later purchase.

  16. Throw parties - Parties mean gifts, have a baby shower, baby’s welcome home party, and always invite family to celebrate birthdays. Don’t spend outrageous amounts of money on the party, just provide your loved ones with a good time and they will be happy to buy your baby things they need.

  17. Keep your loved ones informed - Tell people what’s going on, they will help. If you’re looking to save money, one of your grandma’s or aunt’s will have an idea, and be happy to share it with you. The woman in your family, have been parents. They know and understand what you’re going through. Take their advice.

  18. Read Reviews - Educate yourself on a product, before you buy it. If you are a first-time mother, you are likely in uncharted territory. Save money by purchasing the correct product, the first time around.

Medical and Healthcare Savings

Healthcare is expensive, regardless of your family’s size. The rising costs can be hard to keep up with, prior to having a baby, these 18 tips will help with the extra costs and maybe even your current ones.

  1. Don’t stock up on ear thermometers, pain meds or other medical aides just yet – There is no need to run out and buy all these things before the baby comes. It is likely that your baby won’t need any of these before the first couple of months and you can’t be sure what your pediatrician will recommend for the little one. Most suggest the use of an oral or rectal thermometer, so no need to waste money on an ear thermometer that you won’t use right now.

  2. Discuss the issue with the pediatrician first – As a new parent, it’s common to worry about your new baby. However, if you use a seasoned pediatrician, he may be able to help you understand what’s going on with the baby without a visit to the doctor’s office. This will avoid numerous co-pays and save money.

  3. Doctors have free samples too – Formula can be extremely costly and if you ask your pediatrician, they would probably give you a few samples of formula and other goodies you use for your baby. This will not only allow you to save money, but figure out which products you like, before you buy them.

  4. Shop off brand for medicine - When purchasing medicine for your child, don’t feel obligated to buy the “best” brand, because there isn’t one. Each brand works similarly. Your pediatrician will likely prescribe the name brand medicine, but you can ask for an off-brand prescription. Every medicinal item has an off-brand item that works exactly the same.

  5. Don’t bother with OTC (over the counter) medicines - There are very few over the counter medicines that your baby can use. There are a few remedy-like items, but they often don’t work. If there is something wrong with your baby, your pediatrician will always prescribe something. Most insurance providers cover some or all of the prescriptions cost.

  6. Never purchase “baby” items - The majority of baby health items are exactly the same as the items you would use. Retailers charge up to an entire dollar more, just for adding the word, baby, to the packaging. Read the labels first and compare. This rule will work for almost every health item except actual medicine.

  7. Hospitals are for emergencies - As parents, worrying is part of our job. Many parents take their children to the hospital for things like a runny nose. Call your pediatrician before taking your child to the hospital, unless it is an emergency. There are very few things that will happen to your child that require immediate attention. If your pediatrician thinks it is necessary she will likely schedule you in for the following morning. Hospital bill can cost over a thousand dollars, while an office visit will likely cost less than fifty. If you are truly worried, visit an urgent care, it will cut your cost in half, at least.

  8. Take advantage of the hospital freebies - In case your nurse doesn’t tell you, everything in your infants’ crib will get thrown away, even if it is unused. Take any extra diapers, wipes, pacifiers, butt cream, or lotion home with you. The hospital will not reuse it, but you can save a relatively, large amount of money by keeping it.

  9. Avoid purchasing unnecessary health items - Marketing campaigns will attempt to convince you that you need a baby comb, brush, and a soft brush. You will only need one hair brush, you won’t need three different sizes. Just like you won’t need butt cream, paste, powder and lotion. You will only need one, because they all accomplish the same goal.

  10. Choose a primary pharmacy - Using a single pharmacy, or drug store, regularly will save you money. You will often receive special coupons or discounts for being a regular customer. Some pharmacies are beginning to set up rewards programs, in which you receive an increasing percentage off purchases, with an increasing amount of money spent, or free items after checkout.

  11. Ask for coupons and freebies at the hospital - The hospital is an extremely busy place. Everyone is always running around and occasionally they forget things. Companies supply hospitals with freebies and coupons for moms, in order to encourage new moms to make purchases from them.

  12. Compare health plans - Shop around for insurance, like you would anything else. Compare plans and see how you could save more money. Look at monthly payments, co-pays, and maximum out-of-pockets.

  13. Your pediatrician has freebies and samples too - Your pediatrician could have samples of diapers, skin care ointments, formula, and healthcare items. Ask to sample products or medications before you buy it.

  14. Double check your bills - Everybody makes mistakes, and it is possible that your doctor or hospital bills contain a mistake. Read over your bills carefully to ensure you are not paying extra money, and only pay for what you’ve used.

  15. Keep your doctors in the know - Whether it is you OBGYN or pediatrician, let them know if money is tight. They may be able to avoid unnecessary treatments or opt for less expensive ones. Your doctor likely chose his field, to help people, so let your doctor help you.

  16. Online health boards can be helpful - The internet is increasing in the number of functions it offers. There are multiple free health boards you can join and ask questions. There are also doctors that will answer your questions online, allowing you to avoid unnecessary fees.

  17. Accept the discount cards - Several companies will attempt to send you a discount card. These cards will get you discounts on medication at your local pharmacy. Consider accepting one, to save money on you and your child’s medication.

  18. Cut the dose in half - Most medicines can be bought with different strengths. Talk to your doctor about buying a stronger form, then cut the dose size in half. This shouldn’t be done without a doctor’s approval, but could cut your medicinal cost in half.

Saving on Childcare

Childcare is the most costly, ongoing expense, necessary for your child. Parents could spend over a thousand dollars a month on child care. The following 10 tips will help lower the cost.

  1. Consider swapping babysitting duties - Find a few other parents, willing to swap babysitting nights. Take turns watching each other’s kids for free. You will get a free night’s child care and some time for yourself, in exchange for a playdate at your house.

  2. Be proactive in finding child care - Whether your baby will go to daycare or a babysitter, decide before you need it. Child care is one of the most expensive parts of having a baby. Shop around, you will save money if you have plenty of time to make a decision.

  3. Family will be a huge help - If your family is available to babysit, they will likely do it for free, or at a small price. Ask them to watch your child when they can, and encourage overnighters with your child’s grandparents.

  4. Plan your week in regard to child care - If possible, plan your schedule around availability. Try to limit the amount of time your child spends with a babysitter or at a daycare. Schedule work or outings around your family or significant others availability.

  5. Inform yourself before you commit - Some daycares charge based on a sliding scale, or at an hourly rate. Both of these could save you money or cost you more. Before committing to a daycare, work out the cost with your significant other and decide what is best for you and your family.

  6. Use your community services - Some churches offer free or low-cost child care. This could save you a bundle of money, and the staff is likely very kind and caring. Many of them are sponsored or paid for by the church or donations.

  7. Sign your child up - Take your child to summer camp or even summer school, and encourage them to participate in activities. These provide a few hours of free or cheap child care. In addition, they are great opportunities for your child.

  8. Consider In-Home Child Care - In-Home daycare is similar to taking your child to a babysitter, but sometimes they charge less, because they have a few more children in their care. It is usually cheaper than a normal day care, because there are not excess associated costs, in regard to running the daycare and keeping up on one.

  9. Dropping Hours or Quitting - Depending on your situation, it may be easier to cut down to part-time or quit altogether. Child care is easily the most expensive cost related to raising children. In some cases, it could be cheaper to have a stay at home parent.

  10. Enroll your child in school - Some parents wait a year to put their children in preschool. Once your child is three years old, he/ she can attend preschool. This can be beneficial to your child, but it is also great for your budget. Usually it will cost less to send your child to preschool, than enroll them in child care. Many preschools are already funded, or are based on income.

Saving while Shopping

People generally make very small mistakes while shopping that cost them money. Here are 15 things you can either do or avoid to save yourself some money in the store.

  1. Avoid buying clothes for future use - Never spend money on things your child can’t use yet. It will waste your money. When buying clothes for future use, you’re allowing too much space for waste. You would have to predict your child’s growth rate and seasonal weather conditions. Children grow so fast and your family will likely surprise you with new outfits for birthdays, Christmas, and just because. Your child will likely only wear one or two outfits a day, and will probably grow out of clothes every six months. Don’t buy thing you don’t need.

  2. Intended marketing stores cost more - Prevent buying over-priced items by avoiding special baby stores. Unfortunately, these stores take advantage of expecting parents, by charging more, sometimes almost double, for the same item you can buy at your local super center.

  3. Always compare prices - Compare the prices between stores and brands. This practice could save you hundreds of dollars per year. This is easier to do online, but can be done in stores too. Never rush shopping. Every item is sold in a generic brand too, read the products reviews and packaging to make informed decisions regarding your money.

  4. Avoid shopping when you’re stressed - Stress causes you to spend more money. If you shopped stressed, you will spend more money on things you don’t need, and may not ever use.

  5. Learn to love lists - Before you go shopping, make a list of the things you actually need. Then stick to the list. It will help you save money. To get the most out of this practice, use store flyers to help you build your list, and plan meals and projects around the deals.

  6. Shop bargains progressively - Use deals to your advantage. When there are bargains available, buy extras of the things you regularly use. Such as; toiletries, baby wipes, and canned goods.

  7. Time holiday shopping perfectly - Sometimes the best time to shop for the holidays is immediately after. Gift baskets, decorations, packaging items, and cards, can often be found at discounted prices, almost 90% reduced.

  8. Look for deals when shopping - This tip can apply to everything, clothes, groceries, and household items. Stores routinely advertise deals to entice shoppers. Take advantage of these. You may not need four bottles of detergent now, but you will use them over the course of a few months. Just pay attention, don’t buy an expensive brand that’s on sale, if it will still cost more than your usual brand.

  9. Use cash when you shop - This is a surprisingly useful, money saving tip. It has been proven that customers spend less money when they use cash versus a debit or credit card. Customers are also less likely to purchase items they don’t need. If you think about it makes sense because it permits a visual of spending money. It’s easy to be careless when using a card.

  10. Relax while your shopping - Allow yourself plenty of time to shop and clear your mind before going. When you rush, you are more likely to pick the first item you see, rather than comparing prices. When you are distracted, you’ll do the same thing. You will save the most money when shopping if you permit yourself to focus and shop around. Consider size and price when purchasing things. This applies to diapers, groceries, wipes, household items, and even clothing items, such as; socks and onesies.

  11. Consider Necessity - Decide whether or not an item is needed prior to purchasing it. Do you really need a wipe warmer? Or will cool wipes work just as effectively? Do you need that fluffy crib pillow? Your baby will likely never use it; it isn’t safe for an infant to sleep with things in their crib. There are multiple child care items on the market that are not at all necessary for your baby. This rule can extend to any purchase you make.

  12. Pay attention to the rack labels - When you visit a grocery store, there are tags on the shopping racks. These tags typically have the product name and price on them, but if you look in the bottom corner, there is usually some very fine writing, which includes the price per unit. Use these values when shopping. You may think that your saving money by purchasing the family sized portion, but the label may prove you wrong.

  13. Eat first - Always eat before going shopping, especially if you are grocery shopping. Hungry people spend more money and buy unnecessary things. Similar to when your stressed. So, try to shop with a full belly.

  14. Consider swapping stores - Many people have a usual store. Regardless of how you feel about a store, you may want to consider a new store. Visit a few different stores, and choose the store you will shop at, based on prices.

  15. Think minimally - When you shop, always think about spending the least amount of money possible. If you’re shopping for clothes, buy items that will match multiple other pieces. If shopping for groceries, buy food that will last longer, and provide several things. It may seem more convenient to buy instant potatoes, but a bag of potatoes will go much farther.

Save around the House

There are small changes you can make to save bundles of money, just inside the doors of your home. Here are 15 fairly easy changes to make and you can likely do most of them yourself. So, look around your home, fix a few things up, and switch a few more out.

  1. Check for leaks - Water leaks can cost you over a hundred dollars a year, even small ones can flow considerable amounts of money from your wallet. Look around the house, paying close attention to the outside and basement pipes and faucets. Check under your sinks, and fix any leaks you find.

  2. Turn off the lights - Save money and conserve energy by keeping unnecessary lights off. Leave your lights off during the day, and turn off lights when you leave the room. Set outdoor lights on timers or based on movement, to ensure you don’t forget to turn them off.

  3. Use energy efficient bulbs - Look around your home for lights that can use energy efficient bulbs. This is yet another tip that will save energy, as well as, the strain to your wallet. Most appliances and lights can use these bulbs.

  4. Consider new appliances - If you have household appliances over ten years old, you may be wasting your money. Newer appliances are energy efficient, and built to save you money. There are televisions, microwaves, and refrigerators that are specifically built to use less energy. Consider the costs, the new appliance could pay for itself sooner than you think.

  5. Cover your windows - Preserve heat by covering your windows in the winter. It will keep the heat in and the cold out. This will save you money, by limiting the use of your furnace. Consider keeping your house a few degrees cooler to maximize savings.

  6. Unplug - Keep unused items, such as; appliances and game systems, unplugged to preserve energy. Even if the item is turned off, it uses energy when plugged in to an outlet.

  7. Ditch Cable - You have over a thousand channels, and you maybe watch ten, tops. Consider getting rid of cable, there are plenty of cheaper options. If you need cable, opt for the most basic version. If not, get Netflix or Hulu instead, both of which offer a large amount of television shows and movies. Hulu offers television shows the day after they air. You could buy both and still pay less than half of what you pay for cable.

  8. Shorten shower times - Limit showers to ten minutes. It’s so easy to get comfortable in the shower and lose track of time. Save your water, to save your money. The best way to do this is to spend less time in the shower.

  9. Save your leftovers - We tend to waste a lot of food, but if you save your leftovers, then actually eat them, you can save bundles of money. Use them to create new meals, or reheat them another night. Either way, you’re saving money on groceries.

  10. Freeze food - Some items, like bread, meat, and vegetables last longer when you freeze them. You could save money by freezing these items until you will use them. This limits waste and saves you money.

  11. Wait to wash - Wait until you have a relatively full load to wash clothing and dishes. This will save you money on your water bill. It can also save you money on your energy bill, because you will run the washer and dryer less.

  12. Lower your water temperature - Take ten degrees off your water thermostat. You will still get hot water, but your water heater wont waste energy overheating your water.

  13. Negotiate - If you call during slow times, you will likely be able to negotiate lower prices on utilities and services. You will be able to save money monthly. You can do this with your cable, electric, and water bills. It doesn’t hurt to ask for a lower rate.

  14. Replace all filters - Filters help increase efficiency, so put a new filter on everything. Replace you air filters. If you can’t replace them, then clean them. This will also help increase efficiency, which will save your precious money.

  15. Sell anything you don’t use - There are multiple sites that allow you to sell a large variety of things you don’t use. Anything just sitting around your home, is a waste, save a few dollars by selling it. There is a sales page on Facebooks, but there are also apps, such as; Letgo that can help.

Saving Practices to Follow

These are a few things you can generally do to save money. These 18 things will allow you to save money, in everything you do.

  1. Create a budget - This is a good tip in general, whether you have kids, or not, a budget will keep your spending on track. It will ensure you don’t spend excess money, and permit you to set goals for saving, whether for college or Christmas. It will provide a visual of the input and output of your money.

  2. Consider trying things yourself - Rather than spending extra money to get your husband or son a haircut, do it yourself. You can save up to $15 per haircut. Attempt to dye your own hair or give yourself a manicure. There is a huge amount of do-it-yourself items at your local drugstore. This can extend to fixing household problems. You can look online for guides and attempt to do almost anything yourself first.

  3. Feel comfortable with gently used - Gently used items cost less than half the cost of brand new ones. If you feel comfortable with buying used things, you can save money on clothing, furniture, appliances, and more. Ensure it is decent quality by inspecting the product before you buy it. There usually isn’t a return policy on used items, so ensure confidence in your purchase.

  4. Start a new savings account - Search for a savings account with large interest rates. You can save your money, while the bank gives you a small percentage based on what you’ve saved. Over time your account will grow.

  5. Entertainment doesn’t need to be expensive - Children are incredibly easily entertained. Find inexpensive outings and activities, such as: visiting a park, or going on a hike. Children don’t care how much things cost, all they understand is that they’re having fun.

  6. Always pack a bag of things you need - If you are going on a long car ride, be sure to bring your own food. Buying fast food and convenience food is an easy way to waste your money. Bring anything you may need with you, and take time to think about what you may need. There’s no sense in buying something you already have, because you forgot it.

  7. Become a member - An increasing number of stores offer membership cards, gas station, grocery stores, and shops all offer special membership cards or email lists. These are not the same thing as credit cards. By becoming a member, you will likely receive special offers, coupons, or discounted prices. This is perhaps the easiest way to save money. In exchange for your phone number or email address, you can save money with each purchase.

  8. Avoid credit - Never spend money you don’t have, especially when it comes to babies. You don’t want to be paying on something, long after your child doesn’t use it. Store credit only helps the store. You could end up paying $30 on a $15 item. Store credit cards are enticing because they often offer a percentage off that day’s purchase, when you sign up. Many of these cards, however, have monthly fees and insane interest rates.

  9. Buy the Product Not the Brand – this is one that will go a long way in the parenting handbook. Many parents, especially new ones, find it easy to navigate towards the brands they are most familiar with when purchasing products for their babies. This is not always the wisest move because there are some brands that are far better than the brands that trend the industry. Research the car seat, bottle feeders, wipe warmer and other products before purchasing. Sometimes you will find that the ones with the best reviews cost less than the most popular ones.

  10. Don’t purchase extra’s or upgrade those services – as parents it’s common to want the best for our children. Remember this, it’s not the best simply because it costs more. There are many marketing ploys out there that encourage you to add-on to packages, such as portraits of the new born or upgrade the package to include recurring photos every other month. Make a habit of purchasing what you need at the time and nothing more. The extra cost isn’t always worth the money you spend and sometimes, you’ll pay for services that you never utilize. This makes the company money, while you lose money.

  11. Treat coupons and free samples like money – in many ways, coupons and samples are like money. Even before your baby is born, you should be taking advantage of freebies and coupons like never before. Many of the baby brand companies offer free samples and coupons to expecting moms. It is their hope that their products will be favored over others and the parents will shop their brands more often. In some cases, you receive free samples of items you use every day, such as laundry detergent, baby toiletries and much more. Something as simple as signing up for emails can generate a month’s supply of diapers, baby soap and shampoo, pampers, and more. To avoid the excessive emails, designate an email account that is specifically for all things baby and let the offers pour into your inbox.

  12. Invest in your vehicle - Cars can be expensive to maintain, but they are ultimately more expensive to purchase. So, take care of the one you have to avoid the unexpected expense of buying a new one. Taking proper care of your vehicle will save you more money annually. For example, checking your tire pressure. Most people drive their cars under the recommended Psi. Putting the recommended amount of air in your tires could enable your car to get up to fifteen percent more miles to the gallon.

  13. Try a few recipes in the crockpot - A crockpot is an excellent way to cook relatively inexpensive food. It is easy to use, throw the ingredients in before you leave the house, and it will be ready when you get home. This technique will also prevent you from spending money on food during your outings.

  14. Follow the twenty-four hour rule - When making large purchases allow yourself twenty-four hours to decide whether or not you need/ want it. If so, you may buy it. When you allow yourself to sleep on a decision, you tend to wake up with more clarity, and it prevents you from acting on a whim. You will likely only end up making about half of the intended purchases, thus allowing you to save money.

  15. Save your change - A penny saved is a penny earned. Keep your change in one place, then turn it in for cash. This could save you more than a hundred dollars a year. If you’re not saving your change, you’re likely losing it. So, if you find yourself using cash often, save the change, to save money.

  16. Pay everything on time - One of the worst things to spend money on is late fees. You will have to make the payment regardless, so pay it on time to avoid excess fees. Late fees are like throwing away money. It is literally being spent on nothing.

  17. Set Money Aside - Decide on a small amount of money to save. Create your budget around this money, then set the determined amount aside every week. Watch your savings grow as the weeks go by.

  18. Shop Dollar Stores - Not everything in the dollar store is worth a dollar, but there are plenty of things to get for bargain prices. Chemicals, school supplies, and miscellaneous items, can be bought at huge discounts in these dollar stores.

Saving Money Online

An increasing amount of people have started shopping online. You can buy clothing, groceries, pretty much anything you can think of online. It’s easy and convenient. Here are 16 ideas on how to save your money when shopping online.

  1. Consider spending your gift cards online - Most websites have a clearance page. This will allow you to get more bang for your buck. Some websites enable you to get four or five clearance items for the same price as one regularly priced item. Don’t worry about the shipping and handling, many websites offer free shipping and handling with small price requirements. If you will be charged shipping and handling, check online for promo codes.

  2. Shop online and search promo codes - Shopping online can save so much money. By skipping the store, you avoid the extra costs included to fund the store itself. There’s always a better selection online, and almost every website has easy to find promo codes. Some of these promo codes can cut up to $25 off your purchase, and many offer a percentage off.

  3. Hold on to your receipts - There are new mobile apps, that permit you to scan your receipt. The app then keeps tabs on the stores prices and refunds money when the price drops. This won’t likely save you a lot of money immediately, but it will add up as you continue to enter your receipts.

  4. Use a cashback website - There are multiple websites that allow you to earn cashback when you shop online. One such site is Ebates.com. There are hundreds of websites to choose from and regardless of how much money you spend, you will earn a fraction of the cost back.

  5. Consider a used-retail website - EBay is a perfect example, so is Amazon. These websites often offer a variety of products at lower prices, sometimes up to fifty percent off. These sites are great ways to save money and they’re incredibly convenient.

  6. Pick up in store - When you shop online, sign up to pick your purchase up in the store. This will allow you to save on shipping costs. Depending on the day, you may even get your purchase sooner.

  7. Buy, “As Is” - When you buy items,” As Is,” you usually get a discount of fifty to seventy percent off. These items normally don’t have anything major wrong with them. Typically, they’re very minor problems, that could even be fixed.

  8. Redeem Rebates - People often lean towards deals and discounts, because they are instantaneous. However, rebates often allow you to save more money. When making a purchase, consider whether you will save more money with a coupon or a rebate.

  9. Leave items in your shopping cart - Retailers will often send you special deals and promotions to convince you to purchase the items you left in your cart.

  10. Shop around - Shopping online makes it easy to compare prices and find deals. Take advantage of that and make sure you are receiving as much as you possibly can, when you spend your money.

  11. Download a few apps - Download a virtual shopping list app on your phone and a coupon app. There are a few which function as both. When you enter your grocery list. The app will automatically show you coupons which relate to the list. This is a quick and easy way to save money.

  12. Try a new search engine - There are plenty of ways to earn money online, but one of the easiest is to download a search engine that also earns you money. Swagbucks.com is a popular website that allows you to earn gift cards, by redeeming swag bucks. You can earn swag bucks by using their search engine, watching videos, and completing surveys.

  13. Sell your unused gift cards - Search through multiple sites online. Find the site offering the highest percent cash back for your gift cards, then sell them. You won’t receive the exact amount back, but at least you’ll receive a percentage. It’s almost like earning free money.

  14. Sell your search history - There are ways to sell your search history to researchers. There are websites to use or apps that automatically monitor your internet usage. Some people feel this is a violation of privacy, but if you’re comfortable with it, it is an easy way to make a bit of money.

  15. Use your browser incognito mode - This will allow you to save money when shopping online. Websites use the above internet information to charge you more money. If you search for the same items multiple times, the price will go up. If you search for similar items, the price may go up then as well. When you use incognito mode, it prevents the websites from seeing your recent search history.

  16. Pay your bills online - Utilize your online banking or pay bills via websites. This is the easiest way to do it anyway, but it will also save you money. You won’t need to purchase envelopes or stamps, plus you can set up auto-pay to avoid accidental late fees.

Things to avoid

Sometimes the best way to save money, is to avoid accruing extra expenses. Sometimes this means avoiding a new habit, or an occasional practice. Either way, there are definitely things that must be avoided to save money. Here are 11 examples.

  1. Continuous Habits - The worst thing you can do is pick up an expensive habit. This includes smoking and drinking. You can grow to need them as a crutch or for relief. You could end up spending hundreds of dollars a year on a habit, that you could give up or avoid.

  2. Renting Movies - Despite the low cost of renting a movie from Redbox, it adds up. It is relatively easy to acquire late fees, and if you visit a movie rental store, it is practically impossible to not buy anything other than the movie.

  3. Window Shopping - This is a surefire way to spend money. Very few people can go shopping and just look, you will be tempted to buy something.

  4. Going out to eat - If you are trying to save money, you may want to avoid going out to eat. You will end up paying almost twice as much for your family’s meal, than if you had stayed home and cooked. If you don’t want to cook a full course meal. Buy a quick and cheap, easy meal option.

  5. Shopping Malls - Everything at the mall is overpriced, the food, the activities, and the actual items for sale. You will spend extra money on something that you could have bought somewhere else for far cheaper.

  6. Letting money sit - Never save your money in your checking account. Always put your savings in an account that will allow it to grow. If you don’t plan to touch the money put it somewhere, where it will collect interest.

  7. Tickets - Parking tickets and speeding tickets cost a large sum. When you consider the unexpected timing and large amounts, these tickets can easily throw off your budget. Speeding also requires more gas, so go the speed limit, and save your cash.

  8. Costly memberships - If you think your membership costs too much it probably does. Decide whether the membership is worth it. If it isn’t, get rid of it. It’s extra money out of your pocket, for something you hardly use.

  9. New Cars - Do not buy a new car. A new car is in no way an investment. The car will lose the majority of its’ value, the moment you drive the car off the lot. Buy a used car. Assuming, the vehicle is in decent shape, it will likely last you almost as long as the newer vehicle, but will cost less than half the amount.

  10. Going out - Invite your friends over, stay home and have a good time. Entertainment is expensive, especially when you consider adult entertainment. There are plenty of things you can do inside or outside of your home to keep yourselves entertained. Try a new activity or start a hobby. It will be cheaper to stay in, even if you purchase something for it, then if you went out. Bars, theatres, and other nightlife activities are expensive.

  11. Replacements - The worst thing to spend money on is something you already had. Always try to keep your things organized, easy to find, and in good shape. Try to help your things last as long as possible.

Never give up. It isn’t as hard to save money, as people think. It is possible and you can do it. All you need to do is stay determined and never give up. Set savings goals and provide yourself with motivation. Let your child inspire you.


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