1. Start With a Monthly Budget
I used to think budgeting felt restrictive, but it actually gave me freedom. When I started creating a zero-based budget each month—where every dollar gets assigned a job—I felt like I gave myself a raise. That included giving, saving, and spending categories. I even added a “miscellaneous” line to avoid surprises from unexpected expenses. I now use the Every Dollar app to make budgeting easy and automatic. Trust me, it’s not about cutting joy—it’s about cutting waste.

2. Cancel Unused Subscriptions
You know what really adds up fast? Subscriptions you don’t use. When I finally did a subscription cleanout, I found we were paying for Apple TV, Hulu, Netflix, Disney+, and cable. Cutting cable alone saved us hundreds each year. If you’re not watching something regularly, cancel it. Even those $5–$15 monthly charges can add up to hundreds of dollars over time. Simplifying saved us money and made life less cluttered.

3. Protect Your Online Privacy with Delete Me
This might not seem like a money-saving tip at first glance, but protecting your identity saves you from major financial headaches down the road.

4. Buy Non-Perishables in Bulk
Let’s talk about bulk buying. I compared prices between Target and Costco on things like paper towels, toilet paper, and paper plates. The savings? Substantial. While I never buy perishables in bulk (I hate wasting food), I stock up on household essentials I know we’ll use. A Costco membership paid for itself in no time. If you have the storage space, buying in bulk can be a quiet money-saving powerhouse.

5. Plan Your Meals and Grocery Trips
Food is often the number one budget buster. I used to grocery shop without a plan and ended up with random items—and still no idea what to cook. Now I plan dinners for the week. Just knowing what we’re eating helps us avoid takeout and keeps us from impulse buying in the store. Even something as simple as spaghetti or tacos makes a difference. Use a meal planner and shopping guide to stay on track.

Bonus: Curb Impulse Spending
This one stings a little—but it’s eye-opening. The average American spends $150 a month on impulse buys. That’s $1,800 a year. I started by doing a “no spend” month, only buying essentials. It wasn’t easy at first, but I saw real savings. Now, I plan my purchases ahead of time and resist the temptation to toss extra items into my cart. If it’s not on the list, it stays on the shelf.

The Bottom Line
You don’t need to overhaul your life to start saving money. These five changes—budgeting, cutting subscriptions, protecting your identity, buying in bulk, and planning your meals—made a big impact on my finances. And they can for you too. Start small, stay consistent, and you’ll be surprised at how quickly the savings add up.

All writings are for educational and entertainment purposes only and does not provide investment or financial advice of any kind.

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