cash Archives - Flipping Pennies

10 Ways your Teens Can Earn Money

Posted on June 9, 2016 by flipping Pennies Contributor

The classic way that lots of teens earn money is by babysitting. Plus, if your teen is already babysitting for a few families, they can ask for referrals from their friends to get even more jobs! It’s actually a pretty good way to make some money.

Lawn and yard maintenance is a job perfect for young teenagers. Not only does it teach them how to work, but your teens will also gain valuable skills they can use in the future. They can offer services from simple mowing to bush trimming and flowerbed maintenance.

If your child has a particularly artistic skill, then help them make money off it. Nowadays, there are tons of ways to set up online shops and sell homemade crafts and art projects. You’ll want to help with the budgeting and contacting, but selling products online is a great job for some teens.

Good writing is getting harder and harder to come by, so if your teen has a talent or passion for writing, then let them flourish! They can do anything from ghost writing to freelance or even enter essay contents.

There are also lots of survey sites out there that, if you allow it, your teen could subscribe to and make a bit of extra cash. It just involves them taking surveys online about tons of different things (it depends on the survey).

I know lots of people who are looking for good but cheap photographers. Whether it’s for family photos, real estate pictures, or something else, if your teen has an eye for pictures, then maybe they can do some photography.

The same goes for videography. Filming events like graduation and weddings is becoming more and more common, so it’s definitely a lucrative business. If your teen already has a camera and some editing equipment, then maybe it’s just the job for them.

Teenagers seem to have a natural skill with technology, so they might as well make some money off of it! I’m sure you know tons of people who struggle with technology, so put them in touch with your teen who can help fix a problem or teach them how to work a piece of technology.

Cleaning jobs are pretty common among the teens I know. In fact, when I was younger, my dad paid me to clean his offices. Not only will it teach good skills to your kids, but it also gives them some cash.

Depending on where you live, it’s possible that your teen can get a pretty good job as a waiter at some local restaurants. Help them look around and find a place you’re comfortable with them working at and that will give them the money they’re looking for.

20 Things You are Forgetting to Budget

Posted on May 19, 2016 by flipping Pennies Contributor

Making a budget is a great idea, but if you forget to plan three or four things, then your whole budget can get thrown off. In order to avoid having to replan your whole budget, here are 20 things that you’re probably forgetting that you should put in your budget right now. Most people don’t add an emergency fund to their budget. We often have savings calculated in (for big purchases), but not a fund for emergencies that are unexpected. Funnel some money into an emergency account every month to take care of that issue. Haircuts and personal care are often things that go forgotten until right when we need them. So, when you sit down at the beginning of the week or month to budget, don’t forget this category! It’s sometimes hard to track the amount you spend on heating and cooling because it varies so much on what month and season it is. However, to the best of your ability, plan for the months where you’re going to probably be using them a lot so you have the money in your budget to cover it. We should all be budgeting for a vacation. It doesn’t have to be a big European getaway, but a little vacation to a bed and breakfast a few hours away should always be worked into the budget. I have a good friend who always says that if you don’t want to spend money on dates with your spouse, you’ll just be spending that money on therapy! So, make sure you work date nights and entertainment into the budget so you can relax and enjoy yourself after a hard week of working. Along with that, you should also have some money set aside for eating out. Buying fast food usually comes up in the moment (because it’s convenient), so work that into your budget ahead of time so you don’t have to worry about balancing the books later. Annual payments are super easy to forget about because we only pay for them once a year. Things like credit card fees or some memberships can be hefty but sneaky, so make sure they’re in your budget. While having to buy school supplies only happens once or twice a year (depending on how fast your kids go through them), it can be a pretty large chunk of money. So, if you don’t budget for it, then it might throw a wrench in your budget. Sit down now, and make sure you have it worked into your finances. Every now and then, you’re going to have to buy new work clothes. Things like shoes, suits, etc. can all be a pretty large charge if you have to buy them all at once. Figure out if you’re going to need new clothes this month or year, and then budget it. Gifts are something that always seem to pop up as extra expenses for me. Holidays like Christmas and Valentine’s Day don’t do this; but friends birthdays are usually the guiltiest! So make sure you know everyone’s birthday who you buy presents for, or just plan in some extra money each month for surprise presents. Pets can be just as expensive as children sometimes! Shots, food, leashes, emergencies, and other things can all add up pretty quickly if you haven’t budgeted them. If you own a home, then you know how home and yard maintenance’s can get pretty expensive. Blowing out the sprinklers, fixing the mower, painting the front porch, and other projects can cause some financial issues if you don’t budget them. Don’t let car expenses sneak up on you! Things like registration, tabs, repairs, or other problems should be worked into your budget so you’re not stressed when they come up. For those of you who contribute frequent donations, then make sure they’re in your budget! While it’s always good to give to charity, you want to go about it smartly. If you have monthly subscriptions like magazines or weekly delivery systems, then they need to be in your budget! If not, you’ll be wondering where all that money is going every month! While it’s great to get some extra income (especially when it’s not expected), if it’s not calculated into your taxes, then you can see a big chunk of your monthly budget get taken by those taxes! And you can even get fees tacked on if you don’t pay the taxes, which is even worse! If your kids are into sports or art groups, then the enrollment fees and cost of equipment can be a burden if not planned for. For the months when those activities start, make sure you budget for these expenses. Clothing is another thing you’ll have to buy frequently when you have growing kids in the home. You may find yourself buying new pants every few months and, if you don’t plan for it, the costs can build up. Unfortunately, even if you have insurance, medical bills can be pretty large. If you have regular doctor visits, set money aside for them, but also add a bit of money for emergency visits or other situations. You’ll also want money for non-prescription medication; things like aspirin, Nyquil, allergy medicine, and others are expensive, and if you don’t plan on buying them, then their price seems even bigger!

15 {Legit} Ways to Make an Extra $1,500 a Month

Posted on March 16, 2016 by flipping Pennies Contributor

With the holidays just behind us and Valentine’s Day only a few weeks away, the wallet can seem pretty slim at times. Having to stretch finances, miss fun activities, or even struggle to pay monthly bills can put a lot of extra stress on you and your family. However, instead of cutting away at your budget, why not try to add a little more to it? No, you don’t need to go pick up a job at the local frozen yogurt store to pay those bills, there are actually tons of other ways to make money. In fact, here’s a list of 15 legitimate ways you can make an extra $1,500 a month, depending on how many and how much you decide to do.

First off, I recommend you start a blog. Not only is it a super enjoyable (and even de-stressing) activity, it’s also a great way to make some extra cash. Lots of people think you have to be some young celebrity or genius advertiser in order to make money on a blog, but that’s simply not true. In fact, many bloggers make six-figure incomes working very few hours from home. It is a great way to do something you like, while you have a flexible schedule and work from home. It has allowed me to stay home with my kiddies and earn a six-figure income to help support our family. We have paid off student loans, car loans, bought a few fun toys (hello camping!) and allowed us to take the kids on some pretty fun vacations. When I started blogging, I had no idea that I would be able to pay off debt and completely provide for my family. If you are interested in working from home and starting a blog, visit my step by step tutorial. Two of the most common ways to make money from a blog are affiliate marketing and advertising.
A quick jump over from blogging is ghost writing. You still provide written content, but you don’t have to worry about running the blog business and taking care of other aspects. You simply just have to write. And, if you’re really good at this, you can work for multiple companies on numerous projects while still keeping your day job.
If you love doing photography, then there’s a whole load of side gigs you can do to make extra cash every month. If you don’t want to worry about dealing with people for portrait photography then you could do real estate photography. All you need to do is have a good camera and a good eye for quality pictures. With more than 90% of home buyers using the Internet to find future homes, realtors are in high need of photographers to make their properties look beautiful and professional online.
If teaching has always been a passion of yours, then try tutoring to make some extra cash. You can even do online tutoring so that you don’t have to leave your house! Websites like Chegg will pay you up to $20 an hour to tutor their service users. A bit of processing is required in the beginning to make sure you’re a valid and trustworthy tutor, but once you get approved, you can be making money and learning every day.
Closely tied to academic tutoring, is teaching English as a second language. And the best part is that you (probably) don’t have to even study to be qualified to teach English, you probably already know it! There are lots of ways to get involved in teaching English as a second language, from local opportunities to online ones, as well. The longer you do it and the better you are, the more money you can make. You could even get involved in private tutoring lessons!
If you’ve always wanted to be a movie star but just never made it to Hollywood, then there’s still hope for you to accomplish that dream. Start a YouTube channel and, if you’re dedicated enough, you can quickly get up to earning $1,500 a month for ads and other promotional material. Not only is this extra money every month, but it’s also a great way to blow off steam, get creative, and have fun!
Earn some extra income by using your talents! If you have art skills, find places to do face painting on the side! You’d be surprised at how many birthday parties, community events, and fairs are looking for face painters. You don’t have to be the next Picasso, you just need to be good at basic designs and patterns and not be afraid of painting people’s faces. Some really good face painters have even made up to an extra $12,000 a year in doing face painting.
During the summer and warmer season, mowing lawns and doing lawn care is a great way to make some extra money on the side. Depending on the size of the lawn, you can make anywhere from (usually) $10 to $70 per lawn. The average lawn probably takes about 45 minutes to mow and pays $25 to $30 dollars. If you were to just mow ten lawns every week then you’d already be around $1,000. Add some hedge trimming and flower maintenance to your package and you’ll easily make $1,500 a month.
An incredibly easy way to make some extra money on the side is renting out any extra space you have in your home or rent out your actually home when you’re on vacation somewhere! You make money by doing nothing. Programs and companies like airbnb give you access to a wide range of guests who may need a place to stay in your hometown. You just have to pass the host application and you can start making money right away!
Much like Airbnb, companies like Uber and Lyft let you use your own assets to make money on a big scale. You can become a “homemade” taxi driver through some companies that schedule and coordinate all the rides you’ll give. These programs usually let you keep up to 80% of the price of the ride, so it’s a pretty hefty sum of money! This is especially great if you live in a big city where tourism is high.
This idea may seem random, but parking lot cleanup is apparently a great way to make money on the side, and sometimes has made people more money than their day jobs. If you love being outdoors and don’t mind a little bit of hard work, this could be a great option for you. The best part is that it doesn’t require any specialized education, just a desire to make contacts and get to work.
Do people tell you that you’re hilarious? If so, consider doing comedy as a job on the side to make some extra cash. From small weekend activities to huge corporate events, your comedy can bring a smile to people’s faces and some extra cash to your wallet. If you’re really good at it, you could make up to $20,000 per event and even get invited to travel to places like Australia and South Africa!
Turn your musical interests into a source of income with a little bit of hard work and perseverance! It’s actually relatively easy to get a music gig at local restaurants and hangouts. You may have to charge low fees (or not at all), but if you’re good, then you can quickly start making a steady flow of cash. Your goal doesn’t have to be fame (although that would be nice), but with a decent music job you can easily make $1,500 of extra income.
If you want a little risk in order to get that extra reward, consider peer lending. In essence, this is where you loan your own money out to people who are in need of funds to start projects or companies. The program is well vetted in making sure that lenders don’t get scammed and get paid. You might not make money right away, but the benefits can start rolling in if you’re patient, plus you might hit a goldmine, you never know.
For those of you who love sports, then look at part time coaching positions around the community. Many of the community programs and even some schools open their positions to community members if they can’t get a teacher or volunteer. This would let you be outside and in fresh air while getting paid to hang out with young kids! I didn’t coach when I was younger, but I did work sidelines at football games. I just had to stand in the sun and walk a little bit for some extra, easy-made cash.

Here are some other articles about making money from home that may be interesting for you:

How to Start a Blog

How to Make Money Blogging

How I Make $100k+ Onling While Working From Home

8 Legit Ways to Make Money From Home

50 Ways to Earn Extra Money on the Side

10 Ways to Earn a Living on the Internet

35 Things You Do if You Want to Save Money

Posted on February 11, 2016 by flipping Pennies Contributor

No one is ever going to say no to saving and having more money. And, believe it or not, you don’t have to stop having fun or doing things you like in order to store up some extra cash. There are small but effective ways that you can save money, and here are just a few of them!

Budget

If you haven’t already, make a budget for you and your family. Budgets help you know how much you are making and how much, in general, you should be spending in every area of your financial life.

More Energy Efficient House

This may cost some money in the beginning, but it will save you money in the long run. Invest in energy saving appliances like a dryer, washer, or fridge that will cut your utility bills in half!

Price Check Your Rates

Spend some time looking for new insurance when it’s up for renewal. We often stick with bad rates and high costs because we’re familiar with the company and our policy. However, doing just a little bit of research can save you hundreds of dollars throughout the year.

Plan Meals

Take a few extra minutes every week and plan out what you will be eating. This will stop you from buying things on the go and prevent food from going bad that you never eat.

Plan Holidays and Vacations

It may sound silly, but planning vacations and holidays around free events and good deals is a great way to save money and still have fun! You’d be surprised at how many great deals are around tourist areas if you just put in the time and effort to find them.

Don’t Waste Food

Whether there’s a lot of people living in your home or it’s just you, evaluate how much food you’re buying and wasting and then adjust accordingly. If you find that you throw away 50% of your fruit before you eat them, then buy less fruit! It’s that simple!

Sell Old Electronics and Unused Items

We all have that closet that’s got boxes of unused items stashed away, or that drawer that houses our old and abandoned electronics. Take some time to clean them out and sell anything that you think other people would want to buy.

Use Household Products

You don’t need to go out and buy expensive, store bought, chemical cleaners. Instead, just use items you already have around the house. For example, you can clean a lot of surfaces with baking soda and/or lemon juice. Find some ideas online and save some money!

Do Your Research

Before you make any big purchase, do your research. Read online reviews, compare prices and quality, find different vendors, etc. This may take some time, but it will save you in the end, plus you won’t be frustrated with buying a bad product since you’ll know it’s good quality!

Wait if Needed

Try implementing the 30-day rule. Pretty much, if you want to buy something on an impulse, wait 30 days. If you still want/need that thing after 30 days, then you can consider buying it. This will whittle away at those things that you actually don’t need or want in your life.

Solar Panels

It may sound a little extreme, but if you have a bit of extra cash, install solar panels on your home. In only about five years, you’ll start making money off your investment. Not only that, but if there is ever a power outage, you can program your solar panels to power your fridge, freezer, or other essential items that need electricity.

Credit Card Rewards

Lots of people will tell you to shy away from credit cards if you want to save money, but that’s not always the case. If you’re smart, you can actually make money off of using your credit card because of all the perks and rewards they offer. Find a credit card that has deals you like and go for it!

Spend Less than you Make

However, make sure to live within your budget still. A good rule of thumb is to not buy anything that you won’t be able to pay off within the month. That way, you won’t have any interest building up against you, but you’ll still get all the perks and rewards!

Avoid Gambling

Some people win big from gambling, but most people just lose money. I would suggest not trying to press your luck and win the lottery. Instead, take that money you want to spend on a scratch ticket and invest it in stock or put it towards your savings.

Learn Basic Home Repair

By teaching yourself how to fix a leaky pipe, change a tire, or unclog the shower, you can save hundreds of dollars every year. Hiring someone to do maintenance is a costly expense, and most of the basic fixes they do you can do yourself!

Yard Sale

Round up all the stuff you don’t need or use anymore and have a yard sale! Not only will this get you money, but it will also help you remember what stuff you and your family doesn’t use. For example, if you’re selling your treadmill that’s never been touched, don’t go out and buy a new one in a few months!

DIY Projects

DIY projects are both fun and cheap! You don’t have to spend nearly as much money as you would on an already-made product, plus you get to put your own style and touch on the craft!

Entertain Children Cheaply

There’s really no point in spending hundreds (if not thousands) of dollars to buy your kids the best toys or go on the craziest vacations. Kids can be entertained by a box, so reign in your elaborate presents for them and they probably won’t even notice!

Avoid Fast Food

I know it seems convenient (and sometimes tasty), but fast food is NOT a good way to save money. Plus, it’s not really ever good for you. So, do your wallet and your waist a favor and stop getting fast food.

Stop Smoking

If you smoke, then quit right now! The habit isn’t just dangerous for your health, it’s also bad for your cash flow. Seek help and medicine if required, and you’ll see an increase in money, for sure, even if the cost up front is more than a pack of cigarettes.

Replace Your Car Air Filter

By replacing your car filter, you can increase your gas mileage up to 7%! That’s pretty crazy, if you think about it in the longrun. And changing your filter is super easy and doesn’t take much time a tall.

Limit Subscriptions

While it might be nice to get your favorite magazines in the mail or those subscription boxes that you love, but are they really worth it? If you want to, you can keep one or two subscriptions, but try to get rid of the rest. Over time, they eat up a lot of your money.

Buy Used When Possible

Most items work just as well, even if they’re used. Cars are a huge thing that you’ll want to buy used, since it doesn’t really make sense to buy a new car. You can also buy used clothes, books, toys, etc.

Buy Generic

Believe it or not, name brand and generic items are almost equal in quality (if not actually equal). When you pay all that extra cash for name brand, you’re just buying the label, not better quality.

10-Second Rule

Whenever you go shopping, try to follow the 10-second rule. Every time you pick up an item or product that you don’t need, ask yourself, “why am I buying this?” If you can’t come up with a good reason within ten seconds, then don’t buy the item.

Creative Gift Giving

Instead of spending a fortune on presents and gifts, trying giving creative gifts this year. You could do homemade objects (like soaps, crafts, lotions, candles, etc.) or even give the gift of labor! You can offer babysitting to new parents or a free car tune-up, for example.

Rent Out Unused Space

No point in letting all that empty space in your home go to waste. If you have an extra room, or even a whole floor that’s not being used, considering renting it out or at least doing a program like Airbnb.

Visual Debt Reminder

Make a visual debt reminder that will help you see how much money you owe. That way, when you’re tempted to buy a new TV or something you don’t really need, you can look at the debt reminder and remember what’s really important!

Swap chores

You can also considering setting up a services swap with your friends of neighbors. Pretty much, you often to pay each other in services instead of money for things you need done. You can offer babysitting, yard work, house repairs, etc. It’s a great way to make friends and save some money.

Keep Leftovers

I’m so surprised at how many people just throw away their leftovers, even from restaurants! You can still be classy and get a doggy bag, I promise. Or, even at home, save the leftovers and use them for lunches. It’s cheap, tasty, and saves you money.

Public Transportation

Depending on where you live, this can be a great way to save tons of money while also not having to worry about things like car insurance and auto loan payments. You save money and are hassle free because you don’t have to park or worry about other car-related problems!

Carpool

If you really want to keep your car, then use it smarter. Carpooling is a great way to help the environment and you’re wallet! Find people at work that live nearby who you can start a carpool with so it’s cheaper for all of you.

Buy a Deep Freezer

This is an expense at first, but it allows you to stockpile in bulk, which saves you money in the end. Just make sure you log what’s in the deep freezer and how long it’s been in there so you don’t have chicken nuggets that are six years old. Yuck!

Cheaper Place to Live

Some cities or parts of cities are just ridiculously expensive and not even worth it. If that sounds familiar, then consider moving. I know it can be a lot of work, but if you can pay less in rent/mortgage or get more bang for your buck, then it’s definitely a smart investment.

Community Calendar

Most cities and towns have a community calendar that list all of the free activities that they’ll be throwing that year or at least within the next few months. Check it out and find some activities that you and your family can enjoy together…for free!

For Other Great Ways to Add More to Your Income, See these Other Related Posts:

Blogging Basics- Starting From Scratch

How to Make Money Blogging

20 Ways to Turn Crafts into Profits

8 Legit Ways to Make Money From Home

15 Money Mistakes to Stop Right Now

25 Easy Ways to Save Money

Posted on February 10, 2016 by flipping Pennies Contributor

We all want to make more money, but it seems like it can be such hard work sometimes. You either have to take a whole new job or spend $0 on fun things until you’ve reached the amount of money you want. However, you don’t need to make such sacrifices anymore! Here are 25 easy ways that anyone can start saving money.

Budget

I’ve said it before, and I’ll keep saying it because it’s so important: Budget, budget, budget. If you haven’t, then start; if you have one, then sit down and re-evaluate. It can never hurt to go over your budget again and work out any kinks. This will help you be more accountable with where and how you spend your money.

Snowball Method

If you have debts that are gathering interest, here’s the best way to pay them off and keep that money for yourself. Instead of spreading your extra money across multiple different payments, only pay the minimum on all but one—the smallest one. From there, work you’re way up through the next biggest debt until they’re all gone.

Overpay

Like the snowball method, overpay a bit on your debts or credit cards as much as you can. This will keep the interest levels down while also helping you whittle away at the debt as a whole.

Water Meter

Invest in a water meter for your house. This will help you measure and keep track of how much water you’re using and when so that you can figure out ways to make your water use more efficient.

Pack Lunches

Don’t buy lunches for you or your family. Instead, spend some time every night or morning and make packed lunches. This saves you money (since packed lunches are cheaper than ones you buy), but it’s also probably healthier since you’ll be controlling what you and your family eat.

Keep Doors and Windows Shut

This is especially important if you have kids or animals in the house. Doors and windows often get opened and never get shut, letting the cold air out during the summer and hot air out during the winter. This, in turn, makes you pay more to keep your home at a nice temperature.

Seal Cracks or Leaks

Besides keeping doors and windows shut, you’ll also want to check for any cracks or leaks in them that are slowly letting in cold or hot air. Even if it’s a subtle crack, it can costs hundreds of dollars to be thrown away on your utilities.

Garden

Save some money by growing your own vegetables, fruit, and herbs. You’d be surprised at how much money you spend on those kinds of foods, plus it’s a great way to be self-sufficient and get out in the great weather!

Check Offers

Before you go shopping or out to buy something, check to make sure you’re getting the best deal. This might mean spending a few extra minutes scanning online for competing prices or looking over a store’s catalogue, but it’s worth it if you can save some money!

Rebate Program

There are tons of rebate programs you can get involved in or couponing sites that save you money! Ebates is one of the most popular, but you can enroll in numerous programs with all sorts of different perks and benefits.

Buy Used Books or free Kindle books If you love to read and have your own library, then buy your books secondhand or buy electronic versions. I’m not a fan of e-books, but you can get some great deals (even free books) if you use a Kindle or other similar product. If you want a hard copy, then buy a gently used copy that you can still read but doesn’t cost nearly as much. Use the Library If you like to read but don’t care about owning your own books, then consider just using the library. You usually only have to pay a one time fee (or small annual fee) to get a library card and then you can read as many books as you want. Buy in Bulk This isn’t always the case, but buying in bulk makes the price of each individual item go down significantly. If you have a big family or go through certain items really quickly, then this is a great idea. For small things, don’t buy in bulk However, buying in bulk may actually be bad for you. If you live by yourself or your family doesn’t go through things like milk or ranch very fast, then buying them in bulk may be a waste of money. If you find yourself throwing out food before it gets used, then stop buying in bulk and buy the size that you’ll actually use. Save Spare Change It might be tempting to just leave your change in the cash register or get rid of it, but don’t! Keep your spare change and collect it. Over time, you’ll get a pretty hefty collection of change that you can use for whatever you want! Turn off Lights Get you and your family in the habit of turning off lights when they’re not being used. This seems especially difficult for kids to grasp, but it’s a good habit to start. You’d be surprised at how often this happens and how much money you can save if you can start turning them off when not in use. Coupon, Coupon, Coupon There’s really no reason not to use coupons. They’re easy to get, free, and give you great deals on products you were probably already going to buy. Look for store and manufacturer coupons to save twice as much. Don’t Get Sucked into Sales Just because something is on sale doesn’t mean that you need it. Avoid the urge to say, “Oh! It’s on sale now, so I should buy it before they’re all gone” or something similar. If you tell yourself that, then you probably didn’t need the item in the first place. Buy Based on Value, Not Price This is hard for some people to do (I was one of them), but it really is better to buy based on value and not on price. A shirt that’s $5 but falls apart in two days isn’t nearly as smart of an investment as a $20 shirt that last you years. Buy Used Baby Clothes It’s silly to buy brand new baby and kid clothes. They’re going to outgrow them in a few months, and then you’ll just have to spend more money. Buy used (but still clean and good quality) baby clothes since they’re only going to be used for a little bit. Use Less Laundry Detergent Companies are tricky when it comes to laundry detergent because they usually put a scoop that is way too big so you’ll use more cleaner. Clever, right? Beat them at their own game by using less detergent (usually half the scoop will do the trick), and you’ll take a lot longer to go through it all. No Gym Membership I’ve always found it funny that people will drive to go to the gym. I know you do more than run and walk at the gym, but you’re wasting money on gas and the gym membership when you do that. Get rid of the membership and buy a workout DVD or run outside if you want. Join Free Customer Rewards Programs The trick here is to make sure that the rewards program is actually free. Some stores make you pay for their program, which I don’t think is usually worth it. But if it’s free and you can get access to great deals and coupons, then why not? If you hate the emails, then just create an email specifically for rewards programs. Make a List When you go to the store, make a list and stick to it! Don’t get distracted by fancy deals on products you don’t need or yummy food that isn’t good for you or your wallet. When you stick to your list, you only get things you need and save money! Drink More Water This may sound like a health tip, but it’s also a financial one! By drinking water more, you’ll cut things out like pop that can get pretty expensive (especially name brand). You’ll also be more full at dinner, which means you’ll eat less, which means you’ll spend less money on groceries! It’s a win-win!