Making a resolution to improve your personal finances is easy, but following through can be difficult, especially if your goals are too lofty. Here are a few, low-level ways to help make your budget stick and keep your resolution going throughout 2018.
Try Comparison-Shopping Apps
There are a variety of apps that will allow you to compare item costs in stores and online. Feeling like you spent too much on something? There are apps that let you scan your receipt and compare prices against competitors’ advertised deals so you can get the difference back. Try downloading some of these mobile shopping apps to your smartphone to start saving. PC Magazine recently published a guide to six of the best comparison-shopping apps available.
Spend Less on Daily Expenses
You can save a lot of money by making some smart, simple changes to your everyday routine. Instead of stopping at a coffee shop every morning, buy quality coffee in bulk and make it at home. Instead of buying a lunch every day at work, take in leftovers from a weekend meal or make a sandwich in the morning before you head out the door. Microwavable meals are another good option, especially when your grocery store offers them on special. Habits can be hard to break, but by cutting back a little at a time and gradually increasing your spend-free days, you’ll make a smaller dent in your wallet each week.
Consider Making Money on the Side
A supplemental income from a second job, part-time work or even seasonal work can be a great way to get ahead and reduce your financial stress. Making as little as $100 extra a month will help you reach your budget goals more quickly, assist in paying off debt faster, or give you an opportunity to save more money for long-term goals.
Cut Back on Weekend Spending
If you’re splurging on weekends those costs can add up fast. Instead of spending a lot on entertainment, restaurants, and delivery, try scheduling a couple of no-spend weekends each month to help you save. Some suggestions: check your area for free concerts, plays, festivals or other events, take a walk in a park, have some friends come over after dinner to play games, or binge-watch a new show with your significant other. There are many things you can do that don’t require money.