#money saving

[misfit13ari]

Really need to find a sahm gig

Any company suggestions? Need to make extra income for my littles. Thank you 😊 🤘🏼✨✨✨

[milkoomi]

₊˚⊹ ᰔ a guide to maintaining financial wellness ᝰ.ᐟ

having good money habits can be insanely difficult. i know i personally struggle with impulsive spending, and i’m sure we’ve all fallen victim to the “i’m just treating myself” mindset. financial stress and even financial depression can feel so daunting and overwhelming, so i’m here to help you guys (and myself as well) manage your money better!

let’s begin !!

ᝰ.ᐟ set aside funds

it’s important that when every paycheck hits your bank account to immediately set aside some funds into your savings account. whether it’s 10-20% of your paycheck or even $20-$100, set aside some money into your savings!

it also might help to have that savings account be locked so that you can still put money in, but you can’t take money out. let that savings amount pile up and don’t touch it until you’re absolutely ready to make that big purchase!

ᝰ.ᐟ set aside any cash

get a piggybank or even one of those money organizing binders to set aside any cash that may come your way! keep that cash away from your wallet so you won’t be tempted to use it in any outside purchases. and, same as the first point, that cash will start to pile up!

ᝰ.ᐟ purchase needs rather than wants

let’s start getting out of that “i’m gonna treat myself” mindset!! while it’s nice to treat yourself, we really should only be doing it every once in a while. we can also find different ways of treating/rewarding ourselves that don’t require spending any money! (i can make a separate blog post on this if you guys would like!)

especially when you’re trying to save up for school, a new apartment, a new car, or whatever it may be, it’s really important to keep your purchases to only things that are absolutely necessary.

ᝰ.ᐟ keep track of automatic payments

especially if you have a subscription of any kind, keep track of when those automatic deductions from your account are happening. make note of when your next billing date is and how much you’re being charged for each month/year.

this would also be a good way to determine what subscriptions you really need/want to keep and which ones you can do without and unsubscribe to! i did a full cleanse of my subscriptions list and kept the ones i definitely wanted to keep. sometimes you never really realize how much money your losing when you’re subscribed to things that have no use to you anymore!

ᝰ.ᐟ plan accordingly

when your paycheck comes in and you have all these payments that are coming up yet you still need to buy groceries or get gas or whatever, make sure to plan your funds ahead of time! this way, it’ll help you budget for your groceries & any other necessities as well as help you determine how much money you can set aside into your savings and even calculate how much extra funds you might have to spend on for more personal things!

𝜗𝜚 final notes 𝜗𝜚

don’t let these tips make you feel like you can’t treat yourself to something! as i mentioned earlier, you can still treat yourself to nice things, but it might be best to do it once in a while! i know most of us associate success with money, and to reach success with money we have to learn to be more mindful about how we spend our money and how we manage it.

live and love, babe.

sincerely, juno ⭑.ᐟ

[memes4doom]

[deereatswires]

Remember!

bandages are expensive and i keep seeing people who dont know you can clean them!!

it is fabric, fabric might get stained but you can clean it! (if possible) boil them and then hang them in the sun to dry!! (or just run em through the washing machine)

saves money and resources!

also PLEASE DONT USE A ICKY (as in bodily fluids) BANDAGE OVER AND OVER AGAIN PLS

you are loved!!! :D

[swagging-back-to]

ways to actually save money

stop buying animal products ($10 for a single meal vs $10 for months worth of beans) + benefit of saving planet

use wash cloths for wiping urine + benefit of saving planet.

get a menstrual cup or panties. yes, even if you have a heavy flow.. the chemicals in tampons and pads leads to heavier, more painful, and smellier periods. +benefit of saving planet.

shampoo bars, lasts way longer + benefit of saving planet.

stop buying name brand

stop buying makeup + benefit of saving planet

stop buying nail polish + benefit of saving planet

stop buying synthetic clothes. + benefit of saving planet

reuse (soap free) tub and shower water for plants, laundry. + benefit of saving planet.

hang clothes to dry, even if you don't have an outdoor area. hang in the windows, by fireplaces, by heaters and ac units. + benefit of saving planet

stop buying niche chemical products. for almost every single cleaning situation you only need soap, baking soda, vinegar, rubbing alcohol, and bleach. this goes for gout removal, rust removal, urine removal, window cleaner, sanitizing wipes, literally every single thing. + benefit of saving planet

repurpose old clothes and towels by making them into wash cloths and oven mitts.

stop buying from shein, temu, amazon, and using afterpay. (im not demonizing pay later. i utilize it all the time. I've just found a lot of people who do use these payment methods treat it like a 'buy now, pay NEVER' option and are surprised when it fucks them over)

remember this any time someone tries to tell you being eco friendly isn't affordable.

know what really isnt affordable? buying disposable products every week.

[egalitarian-tomboy]

How to Save Money in 2025

With everything getting expensive and people's wages not going up at the same time - a lot of us are feeling the pinch.

But, that doesn't mean there aren't ways to cut back on costs and find a way to live within your means instead of chasing after something you know you can't achieve right now. So here are my frugal living tips as someone who grew up in a lower-middle class family with Great-Grandparents that both gardened and canned their own food well into their 90's.

When the sun is out, the blinds & curtains are pulled away. If your windows are insulated enough that they don't leak heat or your AC when you turn them on, then you should pull up the blinds and push your curtains aside so the natural sunlight can be your guide around your house. That doesn't mean you shouldn't use the lights in your house if there's no window where you're walking or need something in. It just means that after you're done getting the thing you need or you're finished with whatever you were doing in that room, you turn off those lights again when you leave the room. This'll save you money on your electricity and it'll help you with your circadian rhythm to get you on a better sleeping schedule.

If the power bill is really dire, invest in candles. I don't think people understand that for centuries people have been using candles to light their house when it gets dark. They can create a romantic atmosphere for a candlelit dinner, a fun sleepover event, or simply a cozy and cost efficient way of setting an ambiance for your alone time. That doesn't mean you can't use your power when it gets dark at all. But if you have a power bill that just keeps getting higher and higher, just consider investing in candle pillars that you can light in your rooms around the house. It's important to also note that if you aren't in the same room as a candle you just lit then you need to put out that candle for safety precautions.

Don't throw out your glass food jars. All too often people throw away perfectly usable glass jars that're multi-purpose power houses. After you get the contents out of the jar, rinse the insides and then soak the jar in hot water in a bowl or in the sink itself until the sticker label comes off. If the label is plastic simply cut it off after rinsed. Throw it in a load of dishes in your dish washer and PRESTO! You have a jar that can be used for flowers, drinks, food, and art projects. In some cases you can even reuse glass jars to can your own food if you're into canning. Not to mention the fact that nowadays people think glass jars are trendy and will go out of their way to buy brand new ones instead of just using the ones they already get for free when they buy their sauce or food product. So don't spend your money twice, just buy once and use it till you break it.

Wear an Apron. As ridiculous as this sounds, wearing an apron both protects your clothes from whatever messy chore or task you're doing (Cooking & Cleaning) and it helps you cut down on laundry you need to wash. That's not to say that you should skip washing clothes all together, but if you wear an apron for a messy task then you don't need to worry about changing your clothes more than once or twice a day. It also helps reduce your water bill.

Wash your dishes by hand. Depending on your living situation and your job situation, this tip might not be for you. But if you're capable of washing your dishes by hand instead of relying on your dishwasher to do it for you - do it. If you don't know the proper way to wash your dishes you can look up ANYTHING on the internet, including how to wash your dishes by hand, in less than a minute. You can even watch a video on it if you need a visual to go along with it. But dishwashers can use up both a lot of power and a lot of water in order to clean your dirty dishes. Both of which can take up huge percentages of your paycheck. So which is more important for your living situation - convenience or saving money? If convenience, stick to the dishwasher. If it's saving money, stick to handwashing.

Air dry your clothes. Just like the last tip, this is only for people who can really afford the time it takes to dry your clothes without a dryer. You can find drying racks at Walmart or you can makeshift your own clothing drying station using a curtain rod and hangers. Preferably in the view of sunlight, to speed up the process. Also if you want to steam your clothes but don't have a steamer, you can put your clothes on a hanger and put it in your bathroom as you're taking a shower. The steam will de-wrinkle your clothes for you in a cost effective way.

Protein will save you food money. Good protein keeps you full throughout the day and it keeps you from binge eating snacks with empty calories and stuff your body doesn't need. There are tons of recipes online that're full of protein that suit your taste, lifestyle, and nutritional diet. If you eat meals high in protein then you won't be tempted to eat more throughout the day. Making it easier for you to spend less money on groceries and it can help you lose weight in the process if you combine it with regular exercise.

Libraries are your friend! If you don't have a library card, please for the sake of your wallet go get one. They're free and it's easy to get a replacement if you lose them. Libraries offer free wi-fi, free access to their content collections which include - magazines, books, DVDs, CDs, video games, gardening seeds, tools, hobby kits, and even historical town documents and old newspapers if you for some reason need access to that information. Also if the library doesn't have what you're looking for? You can request an interlibrary loan for that item and it'll be sent to your library for you to check out. Once you're done, you just return it and it'll be sent back to the library it was borrowed from. Libraries offer community resources such as tax assistance, test prep, and summer learning events that reward you for the amount of hours you put into reading or listening to an audiobook with a free brand new book of your choosing. You can also use your local libraries to study, find AC or Heating relief if your home doesn't have good insulation, and you can make connections through the various events happening at the library.

DIY (Do it yourself) will save you thousands. In the golden age of free information on the internet, you can find a tutorial on how to do anything by yourself or create anything by yourself. Wanna learn how to alter your own clothes? There's a tutorial for that. Wanna learn how to do your own nails like salon workers? There's a tutorial for that. Anything you want to learn can be learned through a free tutorial on the internet. But if you don't want to learn through the internet, checking out books from your local library or asking your friends how they do the things you want to do and having them teach you is a good way to learn as well. Because if you can make it at home, then you don't need to waste the money on the same product that's pre-made.

Store your bacon grease. Bacon grease can be used for cooking oil and a way to add extra flavor to whatever you're cooking at home. That way you don't have to rely on your cooking oils or butter to cook your food, you can use bacon grease instead to really get your bang for your buck if you eat bacon regularly. You can find bacon storage jars from Walmart or you can use a glass ball jar to store your bacon grease as long as you have a lid that can go on top.

Exercise at Home or at the Park. Why pay for a gym membership when you can go to your local park to run laps for free? Or why pay a membership fee to use workout weights when you can get your own workout weights at home year round? You can find workout videos online on YouTube to follow along and you can find a good set of weights from Amazon or Walmart for a decent price that won't break the bank. If you're serious about your health but you wanna save money, skip the gym and just start doing things independently at home or at the park. Doing things independently from the gym doesn't mean you have to be by yourself either. Invite someone close to you to join you as a workout buddy.

Keep a well stocked pantry. It's true when people say that it's cheaper to make your own food at home and it's even cheaper if you make things from scratch. If you keep a well stocked pantry full of the essentials to make a last minute meal or something to entertain guests that come over then you won't feel the need to go out to celebrate when you can stay at your place without worrying about traffic or how much a meal will cost after tax. Glass jugs / jars are a great way to keep your ingredients fresh and you can find airtight silicone lids on Amazon or Walmart that'll help keep them safe from changes in temperature or exposure to moisture. If you have sugars that need to be kept from going hard, put a piece of terracotta in them to keep the sugar from going clumpy. It's also a good idea to keep a spare frozen pizza in case of emergencies or for one of those days that you just don't feel like cooking something with a lot of ingredients.

Old media doesn't go bad just because it's old. Entertainment is getting expensive just like everything else and people need to start realizing that they don't need to buy the new stuff when the 'old stuff' still works. You have plenty of video games, board games, movies, and TV shows that you bought in the past physically that still work. You can pop in a movie that came out 3 years ago and still be entertained! You can take out a book you bought when you were a teen and still be entertained! You can play a video game you bought a year ago and still have things to discover inside that game! You don't need to keep up with the world in order to be entertained and happy after a long day at work, all you need to be happy and entertained is to go to your comfort media. If you don't have your comfort media in physical collections, make it a goal to buy it physically.

Physical > Digital. In this instance I'm talking about collections you permanently buy that you can access without a subscription. Because everything is subscription based nowadays, owning something that isn't attached to the internet or to a service is empowering and necessary if you want to save money in the long run. It's cost efficient and you don't have to worry about it getting taken away from you because it's YOURS. That's not to say that streaming or digital collections are less valid, but if you want to save money then you need to take physical media seriously and keep a good library at home that you can keep yourself entertained with because it'll decrease the need for you to pay for something you already have. Sure it's not the case for some media that don't have physical releases, but you'd be surprised how many things actually have a physical copy.

I hope these tips help you and if they do, share this post around. Because in this economy we need all the tips we can get.

[witchy-batsquatch]

For my underconsumption or financially struggling baddies (like me) if you have a towel that is thinning in an area or fraying around the edges don't fret use pinking shears (the zig-zag scissors made for fabric they keep edges from fraying) to cut the towel into wash cloths (alternatively you can use normal scissors and hem the edges)