Debt Payoff, Saving Money

Ways to Save Money When You Have None

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4 ways to save money when you have none- Making Mommy Money

One of our first steps this month was to save money again since our emergency fund was blown away with a major car repair recently.

One of the most intimidating things to get started is figuring out where to get extra money. Especially when you feel like you’re living paycheck to paycheck. But there is a way to add money to savings but it’s not without a little bit of extra work. A lot of those get rich quick schemes are exactly that…schemes.

There is no such thing as easy money. If you want to save money, you have to work hard. But it helps to know a thing or two so I have a few tips.

1. Shop Around

We recently saved $50 on one grocery trip by getting only a few things on sale at Kroger and then buying everything else at Aldi.

One of the best ways to shop around is to wait until things go on sale to buy them. Full price is for chumps, and impatient people. It helps to plan ahead when you buy things on sale.

When the local Kmart was closing in the spring, we stocked up on stuff for the summer. I got 3 pairs of shoes for little man because we knew he’d be walking soon, along with tennis shoes for ourselves. My nephews already have their Christmas present in hiding because of that trip too. In the end we saved $400 and spent $218 on everything. That’s right, we saved more than we bought!

It’s even easier when you can find it on your Amazon app instead for even cheaper. I did that with my Christmas presents last year and saved at least $75!

You can also get rebates with places like Ibotta or Checkout 51 on your phone or Ebates if you’re shopping online. Even the smallest amount of cash back helps any kind of savings.

4 ways to save money when you have none- Making Mommy Money

2. Eat In More

One of the biggest things that my family has realized is that when we get lazy, we eat out a lot. And we waste so much money doing that when we spend so much money on groceries in the first place. Eating out costs so much money if you’re not careful. Even if you’re on the cash envelope system, you still need to have a plan.
Plan your weekly menu, include one night out if you must (date night or a family night), and then get your groceries. The most important thing is not to waste food. That’s way I suggest planning your menu and then buying your groceries. That way you are buying for your plan. You’re not buying food, then figuring out what to do with it. The best way to add that to your savings account is to put the money that you save from eating at home into your savings instead of spending it on other things.

3. Do Odd Jobs

My husband get tips from his job as a barista, I do chores for my grandmother and run an etsy store. We both have it set up that all of the money that we get outside of our regular paychecks goes directly to savings (and once that’s built up going towards debt).

With it going into savings without us thinking about it, it makes it easy to not even think about what to do with the money. ┬áIt’s one of those out of sight out of mind kind of things.

4 ways to save money when you have none- Making Mommy Money

4. Don’t Spend Refunds

Our tax refund was most of our savings before the major car repair, because it was money that we weren’t fully counting in our budget before we got it. We decided it was wiser to save it, add to its slowly and use the extra to work on our house. Even the tiniest of refunds or rebates can be put into savings. If you need to take an item back to a store, you can put it in savings and think of it as you’re paying yourself for getting that errand done. Jackpot!!
With my family using ideas like this we have already gone from $200 in our savings to $645 and we’re only halfway through May!!

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