The Christmas season is rapidly approaching, which can leave many of us panicking about where that “extra” money is going to come from for buying decorations, gifts, attending dinners, and the like. October is the perfect time to plan because believe it or not, there are a lot of ways you can save money in the next 30 days that can help you breathe a little easier knowing the holidays are coming.
Dave Ramsey, the king of getting out of debt and saving money, has LOADS of tips and tricks that are great ideas for life in general, but I decided to compile eight of them because not only do we want to save money, but we still want to be able to shop and have fun right? You can indeed have both! Here’s 8 Dave Ramsey Approved Tips to Save Money This Month
1.) Visit the library: Did you know that part of your tax money goes to fund your local library? When my mom recently found out that FOUR HUNDRED dollars a year of her taxes were going to the library, she decided it was high time to make some use of it. She rents books, DVD’s, CD’s, and more. Emma Kate loves going to the children’s story time and we get lots of books and DVD’s. Her interests change so quickly it’s way better than buying all of that stuff anyway!
2.) Consignment shops: Not only do I sell Emma Kate’s olf clothes and toys at the local consignment shop, but I buy from there, too! I also am a huge fan of thredUP* and have gotten some amazing deals on brand new clothing!
3.) Cut cable: This one took me a while to consider because I was worried about my beloved football games, but now there are SO MANY other options for watching TV! netflix! Amazon Prime! Sling TV! Hulu! Cable has gotten so outrageous and cutting the cord can save you a ton. If you go to the Hulu website through this link, you can get a free trial, so be sure to check it out!*
4.) Check the sale papers: I feel like this is something people don’t do a lot anymore, but a lot of stores and grocery stores have weekly or monthly sale papers with the hottest deals. We use this for BOGO’s and certain days of the week that more expensive items like chicken or meats are on sale. I also use Cartwheel for Target and digital coupons for other stores. You don’t even have to go extreme couponing to save money. It adds up fast!
5.) Be electricity mindful: I was raised that when you leave a room, you turn off a light. I feel like more and more kids are not being taught to conserve these days, and it does drive me a little batty. Simple things like turning off lights, closing curtains and blinds and raising the air conditioning when you leave the house can save you a few dollars every month, which can really add up over the course of a year.
6.) Search for free activities: I know not all towns have a lot of free activities, but do some digging and you may be surprised. In Tampa, I’m subscribed to a weekly email for fun things for kids to do over the weekend in my city. Some have small costs, but most are free and there is never a shortage of things to do especially if we are willing to drive a little bit. Your kids don’t have to have the most expensive toys to have fun and make memories!
7.) Pack your lunch: The amount that this one adds up to is truly shocking. I know people who eat out for lunch at work every. single. day. That’s on average $50 a week, or $200+ A MONTH! Add on those who go to Starbucks daily and we are talking a pretty penny my friends. Sure I love a special treat or lunch on occasionally just like everyone else, but I have learned that not only is it better for my wallet to pack a lunch, but it’s better for my waistline, too! This one can be a hard habit to break especially for those who do this socially. Maybe try to go to just once a week, or when there is a special celebration. You could even try to get your coworkers to help hold you accountable and you all pack a lunch and go eat at a park one day together.
8.) Ask for discounts: There are so many places that offer discounts that just don’t advertise them (think AAA, senior discounts, kids eat free, etc.) My rule of thumb is always to ask! The worst they can say is no. You can also do an internet search, there are a lot of websites that list out stores and restaurants that offer discounts, free birthday rewards, or nights of the week for kids to eat free.
I hope you enjoyed these 8 Dave Ramsey Approved Tips to Save Money This Month!
*If you sign up for Hulu or purchase form ThredUP with my link, I receive a small affiliate commission.