30 Easy Ways to Improve Spending Habits, Starting Today

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30 Easy Ways to Improve Spending Habits, Starting Today

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It's easy to say you'll start saving....tomorrow. Trouble starts when tomorrow becomes the next day, then the next.

We often procrastinate because saving money - and making spending sacrifices - is overwhelming. But it doesn't have to be; here are 30 easy ways to improve your spending habits - starting today.

Reconsider Regular Expenses

There are all sorts of regular expenses we don't actually need. Here are 8 to reconsider.


You'll help the environment and save on gas and maintenance. Or ditch the car altogether and ride share.

Re-evaluate Automatic Debits

Regular payments from your bank account or credit card need regular re-evaluation. Do you still need it?

Got a Raise? No you Didn't

Pretend your last raise didn't happen, and direct the increase towards savings.

Use Coupons

You don't have to be an extreme couponer to save a few bucks.

Be Preventative

Spend a little now to save a lot later! Keep up with oil changes, dentist cleanings and regular maintenance around the house.

Invest Through Work

If your company has a savings plan, join it. There are often tax benefits to doing so, and company matching components are worthwhile.

Don't Shop Hungry

Need I say more?

Turn it off

Standby power can slowly suck you dry.

Use Your Oven Efficiently

Save on power by getting the most out of your oven.

Automate It

Even if it's small, any amount you can automatically save will accrue over time.

Make Money Recycling

Use the money you make recycling towards a savings plan.

Switch to High-Interest

Transfer excess money in your bank account to a high-interest savings account to avert impulse purchases and get your money working for you.

Spare Change Jar

Its cliché, but it works. Put each day's change in a jar and watch the savings accumulate.

Transfer High-Interest Debt

...to low-interest debt. Use the savings to further reduce your debt.

Don't Speed

You won't lose much time by driving a little slower, but you'll conserve gas and save money.

Reuse Stuff

Saving starts with creatively reusing things instead of buying new.

No More Household Cleaners

Did you know you can replace most household cleaners with vinegar, toothpaste, mouthwash, and even powdered milk?

Vacation Differently

Go on vacation and save money! Take a staycation, do a home exchange, try house-sitting, or volunteer - for starters.

Do a Financial Review

The best way to "find money" is to see what you have. Make your financial reviews a semi-annual affair.

Re-Negotiate Bills

With a simple phone call, you can reduce credit card interest, cell phone charges, and other household bills.

Ask for a Discount

Saving money starts when you ask for it.

Budget for Gifts

Anticipate gift expenses with a gift calendar

Drink at Home

If you're hitting the town, start with libations at home and keep your bar tab in check. Even better: volunteer to be the designated driver!  

Track Your Expenses

You can't save money if you don't know where it's going first.

Get a Financial Planner

You don't need to be wealthy to have a financial planner, but they might help you become wealthy.

Involve the Kids

If your kids are financially educated, they can help keep the family on-track and accountable.  

Set Realistic Goals

Setting financial goals you'll achieve will inspire you to save more.  

Pay off High-Interest Debt

Make this a priority, as you're wasting money on interest. Once this is under control...

Direct Debt Payments towards Savings

Use the money you were paying off debts with towards savings. You're accustomed to the expenditure, so make good use of it!


Do You Really Need It? 8 Expenses You Can Cut Out of Your Life 

Automating Finance for the Undisciplined and Disorganized

Find the Power in Tracking Your Expenses

Nora Dunn, Guest Blogger for Leading Provider of Debt Relief Services, CareOne Services, Inc. Nora Dunn

Nora Dunn is The Professional Hobo: a full-time traveler and freelance writer. She is a contributing writer under the CareOne Debt Relief Services Life Balance blog. Having sold her business and belongings to travel, she has been on the road since 2007. She travels in a financially sustainable manner, taking advantage of creative volunteering positions. As a former certified Financial Planner, she is financially responsible for her actions along the way. She believes there is a fine balance between planning for tomorrow, and living for today. Compensated Blogger for CareOne Debt Relief Services. You can follow Nora on Twitter @hobonora

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  • Well done Nora....

    food for thought here

  • wow, so much research i am amazed.. a very simple yet to the point article but one small suggestion, it would be helpful to the reader if they actually know where they are spending money and why they dont have a control on it. i suggest you read this article.. if found if interesting..myinvestorgenie.com/.../save-what-you-earn

  • Awesome ways! Great ideas to  saving money.  Thanks to share with us.

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