Here are a few simple tweaks to your daily routine that can yield small savings, and add up over time.
Save a little each day with apps or bank accounts that take the work out of saving. Programs like Digit and Qapital both automatically transfer small amounts from your checking account to a separate savings account. Bank of America does the same each time you swipe your card.
Save the old fashioned way by emptying your pockets each day and collecting that extra change you may have accumulated. Then take your collection to the bank and put it directly into your savings account and not your checking account. When you want to watch your spending, use dollar bills instead of your debit or credit cards. It’s harder to part with the cash.
Prepare a list before you go grocery shopping. A little prep work before you grocery shop can go a long way to help you reduce the amount of money you spend on groceries. Also, use coupons and loyalty programs to maximize your savings as you shop.
Get discounts on entertainment and take advantage of free days at museums and national parks to save on entertainment costs. If you are an AAA member, you can get other discounts when purchasing tickets for everything including movies, concerts and theme parks.
Plan ahead on major purchases. Time your purchase of appliances, furniture, electronics and more according to annual sale periods.
Shop through Time to Save when you shop online. When you shop regularly at a retailer’s website, it’s convenient to create an online account to save your billing information. But if you force yourself to start fresh at Time to Save each time you place an online order, you will make fewer impulse purchases and automatically save money for your future.