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Single woman who makes $24,000 a year shares 12 smart ways she saves money

"These are some of my best tips to save a lot of $$ in the long run."

Image via Canva/baseimage

Single woman shares 12 ways she saves money on low income $25,000 salary.

Saving money is possible, even on a low income. While every penny matters, saving money on a small salary can be achieved with smart budgeting and being mindful about spending.

To help others save money, a single woman who makes $24,000 offered her best money-saving tips. From smart strategies for saving money on groceries to creative ways she leverages her community, she shared 12 of her best money-saving habits.

Plus, her advice inspired others to share the financial tips that helped them save money when funds were tight. Start saving more money with these tested ways to save money with a low income.

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12 ways to save money on a $24,000 salary

- Make DIY dawn power wash with 2 tbsp of rubbing alcohol mixed with 4 tbsp of dawn dish soap.

- Use a bidet before using toilet paper. The bidet does all the hard work the toilet paper is mostly just to dry off - depending on how much money you need/want to save you can use old cut up t-shirts to dry off instead of tp then throw them in the wash once every few days.

- Use period panties diva cup and reusable pads instead of disposable period products.

- Don't be afraid to buy used furniture - just be sure there are no bed bugs.

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- Used electronics are just as good as new.

- Thrift store are amazing places for pretty much any home goods item.

- Home made cold brew is amazing...one part coffee to 4 parts water.

cold brew, cold brew coffee, homemade cold brew, cold brew gif iced coffee art GIF Giphy

- Simple syrup is also pretty good...there's tons of recipes all over the internet

- Shop your cupboards for food to eat before going shopping for more food.

- Use beans or tofu instead of meat, but if you find meat on sale BUY IT!

- The cook books Good and Cheap and Food Substitutions Bible are amazing cook books.

- FRIENDS ARE AMAZING!!!! I needed a new tv a month ago because the sound box on mine went out. So I messaged some friends asked if anyone had a old tv they needed to get rid of and a friend showed up with a nice lg flat screen that's nearly double the size of my previous tv & I only paid $40 for it.

- YouTube www.youtube.com

More money-saving tips for low incomes

"Go to the library and look for https://www.amazon.com/Complete-Tightwad-Gazette-P...https://www.amazon.com/Complete-Tightwad-Gazette-Promoting-Alternative/dp/0375752250 books. It was written in the 1990’s so some of the information is outdated but much of it is relevant today. I started following The Tightwad Gazette back when it was just a newsletter. I am a single female, raised 2 kids myself, retired at 60, 100% debt free and I credit my success to those books!!" - BENKACY

"Use the library for Internet access, printing off paper copies of legal docs, study material, etc. If you live in a large apartment complex they often have a community board in the main office or in the main hall- you can post ISO notes or advertise side hustle work you offer." - Adorable-Flight5256

"When buying used furniture always ask the person if they have anything else they’re selling if you’re looking for other items. I had posted a recliner for sale & a very young, sweet, newlywed couple came to pick it up. In conversation it came out that they had just been married two weeks before, and they were furnishing their first apartment. On a whim I asked if they needed anything else. They left my house with a recliner $25 less than the initially agreed upon price, a like brand new coffee table that I had been thinking about selling (heavily discounted) & a free complete set of dishes and some other nice kitchen items that I had. I joked that it was my wedding gift to them, as I remember what it was like when my husband & I were first starting out." - RBAloysius

- YouTube www.youtube.com

"I thought that I had a terrible selection for thrift stores. Then I needed a costume that looked well worn. Checked the thrift store that I knew about and found nothing. Googled 'thrift stores near me' got like 10 results. All within about 10 miles. So yeah, even if you think you know all the free / cheap local options check Google periodically." - No_Gear_1093

"Reusable anything has been a game changer. Making the switch to cloth paper towels means no added expense every month and we have a handful to use in rotation when the rest are in the hamper waiting to be washed. We also use our local Buy Nothing group on Facebook. We’ve scored an air conditioning unit, an Ikea Poang Rocking chair, a queen sized bed frame with storage, and a few other helpful items. I’ve also borrowed items there, as well as saved money going to the florist for my Ikebana class by asking people in the BN group if they have flowers or other materials I can use for my assignments." - radioflower525

"If you're in the US, please look into WIC and SNAP. WIC covers basic groceries, formula, and I'm sure you'd qualify if your county has it - the income requirements aren't as difficult because it's a more limited plan on other ways (what it covers, who can qualify)." - sunnysidemegg

"I work as a window tinter I make about 22k a year, I am 23 with no kids and I live alone with no roommates, I am fortunate to have worked out a cheap rent situation with my landlord by taking care of our properties he is my next door neighbor and lets me run an ethernet from his place for free and we share a common water system that he pays for. So I am only responsible for my electricity which is about 60 a month in winter and 160 in summer. I drive a paid for 20 year old car with 180k on it. It has no heat, AC, or power locks. I do all of my own work on it so that saves a lot of money. As for clothing I buy Walmart clothes, which works out since my job has me ruining a lot of clothes, and I prepare my meals from base ingredients. I eat out maybe once a week and that's somewhere cheap like Whataburger. As for a sit down meal at a nice restaurant that is once a moth at the most. I can save about 500 a month comfortably without having to restrict my way of living. I don't spend alot of money to begin with. No traveling. No fancy shoes, (I own two pairs of shoes my boots I wear at work and flip flops for the beach. Lol.). I also don't drink. When I spend money its mostly on dates and video games. Currently saving up for welding school, once I get certified I should be able to double my income with the first welding job I get." - User Unknown

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Money-savvy mom swears by these 5 things for a budget-friendly summer

"It doesn't have to cost $100 every time you leave the house."

Photo credit: Canva

It is possible to have fun this summer while not over over budget.

Honestly, there isn’t a season that doesn’t invite us to overspend. Autumn demands funds for school supplies and Halloween costumes, then there’s buying Christmas gifts in winter, followed by an expensive spring break vacation, and finally…summer. A time for camping ($), trips to the amusement park ($) and concerts ($$). It’s easy to see how no one can avoid going over budget each year.

But mom and money mentor Elyse says that these “five things” can help families not overspend without missing out on any summer fun.

“If you're a mom, and you are already dreading summer because you know that you're just going to spend money over and over and over again…I got you,” Elyse begins in a video posted to her TikTok. “It doesn’t have to cost $100 every time you leave the house, you just have to plan ahead.”

Number one: packing lunches.


“We are packing a lunch, snacks, drinks everywhere we go,” Elyse says. “Get a cooler, find one at a thrift store, get that cooler and pack it every single day. We are taking the, ‘We have food at home’ to ‘We have food in the car.’ The major exception. of course, being: I will always have money in the budget for ice cream. We can get ice cream on the way home.”
@thesavvysagittarius It doesn’t have to cost $100 every time you leave the house, you just have to plan ahead #budgetingwithkids #summerfun #summerbucketlist #debtfreejourney #debtfreecommunity ♬ original sound - Money Mentor - Elyse

Appreciate that she allows for the one treat that really matters. As one person rightfully put it, “there’s always money for ice cream.”

Second: opting for parks

“I live in Nebraska, and we have a lot of state parks available within driving range of where I live, but I think it's like $34 to get a state park sticker for the entire year in Nebraska ... it gives you access to so many other resources and so many places to go, but also just regular parks in general. We're going to the park. It's 8 a.m. Parks are always open, at least most of them,” she says.

Third: Hosting over going out.

“We are inviting friends over for meals. We're not going out for dinner. It's expensive. We don't need it. We are exercising our hospitality muscle this summer. Invite them over for coffee or tea or a meal or snack.”

Four: not hopping on the latest fashion trend of the season.

Rather, Elyse and her family will wear last year’s summer clothes, or buy secondhand. We are done consuming just to consume. Maybe this means I'm getting old but I am not following the summer's trend just because last summer's trend was slightly different. I'm not spending money on new clothes if the ones from last year already fit,” she says.

Last but not least, money saving tip number five: “a hose and a sprinkler or splash pads are the way to go.”

“I see so much pressure on social media, especially for moms to buy the big bounce house or the big pool or all the things,” Elyse explains. “My kid's three and he played in a puddle for 45 minutes yesterday. Some of my best memories are with a hose and a sprinkler.”

Elyse’s advice certainly resonated with folks, many of whom offered their own summer saving hacks.

“Our go-to is uncrustables, take it out of freezer and good by lunch time 😌 the library is also a great place to go! Rain or shine. Ours has events, play areas, and storytime,” one person wrote.

“Here in California you can also get a state park pass at the library to use for free,” added another.

A third wrote, “Find a friends with EBT or WIC and take part of the museums for all program.”

“Buy nothing groups are amazing too,” another person suggested, referring to the community groups on Facebook where neighbors can offer or take all kinds of items for free.

Sure, the opportunities to spend money will be everywhere this summer, but just as Elyse mentioned, having fun while being frugal just takes a bit of planning. But it’s totally doable, and you can still enjoy the important things…like ice cream.

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People reveal which paid memberships are 100 percent worth every penny

"Costco… For the chicken and food court alone it is worth it."

Photo (left) by Johannes Andersson on Unsplash Photo (right) by Ben Wicks on Unsplash

From National Parks passes to air ambulance services, some memberships are totally worth it.

With the basic cost of living stretching many folks financially, people are always on the lookout for ways to save money. But with long-term commitments and ever-increasing costs, people are also often wary of memberships or subscriptions that might save you money (or at least be worth what they cost), but also might not.

Thanks to a Reddit user who asked fellow Redditors, "What membership is 100% worth every penny you pay for it?" we've got a list of memberships that might actually be worth checking out.

The kinds of memberships people listed vary widely, from warehouse stores to learning programs to medical evacuation services, but everyone who shared made a strong case for why the cost of them are worth it.

Here are the memberships people say are worth every penny:

Emergency Helicopter Services

"I live on an island in Alaska with limited healthcare. An emergency flight to a more capable hospital will cost $50000. For $100 a year I save $49900 if I ever need their services. That $100 covers everyone living under my roof. There is no limit on the number of flights. And seniors pay $75. Of course, the flight isn't a guarantee. Bad weather or the donated jet needing repairs can, and does, prevent you from being flown out." – Ksan_of_Tongass

"Can't believe someone beat me to this.
A year and a half ago, I had to be medevaced to Seattle with a broken back. Price tag on the flight would have been $141,110.89...
Good thing we are a member of the air med network!" – Tedious_research

"More common than you would think. They have this same premise in rural Texas for about $25/m." – sevargmas

The Great Courses (or Wondrium)

"The Great Courses. It’s now under the umbrella of Wondrium (and they have a bunch of other stuff, but I look for the GC stuff) They have hundreds of courses. Each one has roughly 26-40 lectures. They’re the best professors in the world - the ones that students report as their favorite teachers.

My boyfriend and I always have four on Thursdays: a science, an art, a philosophy (or wild card) and a history. We’ve done classes like: botany, the analects of Confucius, The Medici’s, the physics of time, early humans and the history of food.

I’ve got a good deal with them at $10/month all I can stream. Great for lifelong learners." – Shaydie

"I bought a 2 year subscription (when it was 50% off) and never looked back. Ancient Egypt is probably the best course I've ever taken, even including courses I've taken in college. It's old (1999) and some things have been disproven since, but it's still so damn good. Now I'm watching Ancient Mesopotamia, which is also very good." – Ok-Supermarket-1414

"I’ve learned so many things from having a Wondrium subscription (and mostly the great courses ones are my favourites). I think having the streaming version of this versus buying courses has led me to learn so many more things than I would have, and try and some and find out they weren’t really for me." — Shipping_away_at_it

Mountains rising up behind a lake at sunset

Grand Tetons National Park

Photo by Nate Foong on Unsplash

National Parks Pass

"The US National Park Senior Pass. The BEST bargain in the nation." – BrunoGerace

"We toured the us in an rv this year, and the america the beautiful pass paid for itself many, many, many times over." – mushnu

"And if you're not a Senior (or Vet) the annual pass is still a deal. Visit 3 NPs or NMs in a year and it's paid for itself." – Kerensky97

"I’m canadian, I’ve seen national parks in canada, a lot of europe and the us, and it’s not even a fair contest. The national parks in america are s tier amazing sites. Diverse, well cared for yet wild, affordable, etc." – mushnu

The YMCA (though this varies a lot by location and income)

"YMCA - I pay $70 a month for a family of four and it includes use of the pool, gym, and sauna and up to four hours of childcare a day. I go nearly everyday and have lost 60 pounds over the last six months. It’s also my only childcare as a stay at home mom so it keeps me sane." – neopolitandynomite

"Came here to say this! I’m in WI and pay $82/month for my family of 7. We go 3-4 times a week, love it. Also have volunteered to coach soccer and have kids in the youth sports. Pool, hot tub and sauna is like a spa to me." – Martini6288

"My family YMCA membership (one adult + children) is $115/mo, but even so, it's totally worth it! I attend at least 3 group ex classes a week, my kids go in the kid zone, they get swim lessons, T-ball, summer camp, etc at reduced cost. It's also very convenient as we live right across the street. We attend many of their special events too (Halloween party, pumpkins in the pool, etc)." – WhJoMaShRa

AAA

"AAA or equivalent roadside service club in your respective country. A single tow costs more than your membership and it quickly pays for itself. Plus all the other discounts and affiliated services they offer, it is absolutely worth the money." – llcucf80

"Between tows and the times either I or someone I was with locked their keys in their car, it has more than paid for itself. It has been a life saver more than once." – nelsonalgrencametome

"Family car broke down on a road trip. My dad had some upper level AAA membership or something, because they covered the tow, a bus ticket for me home while they got covered in the affiliated hotel for 2 nights, along with meals." – DopeCharma

"I haven't owned a vehicle in over 6 years, up until the last two years I've had a AAA membership.

It's worth mentioning that it's not like insurance, it's your membership. I kept it because I could call them if a friend needed a tow, someone locked their keys in their car, needed gas but no way to get it, flat and no spare, doesn't matter

If you have a membership, youre present, card in hand, doesn't matter who's vehicle it is, you're golden. I even got complete strangers a tow, I wasn't gonna use them.

One time I even got my own vehicle out of an impound using AAA because the tow company was certified with AAA and it was only impounded for expired tags. I didn't pay a dime to the tow company, they just got more from me requesting the tow through AAA to an auto shop

Amazing service, 100% worth every penny." – drklunk

front view of a costco store

Costco can save you on a lot more than just chicken.

Photo by Grant Beirute on Unsplash

Costco

"Costco… For the chicken and food court alone it is worth it." – Peach3ater

"Even if you ONLY buy allergy med from Costco, it’s worth the membership fee. $70 membership + $14 bottle of 365 allergy pills is basically 2-3 months max of Claritin or other brands at regular grocery store." – the_bio

"For me it's my contacts. Just my regular prescription for a year is more of a discount at costco vs 1800contacts than the membership costs." – MRoad

"There are so many things it can save you $10 a month on. It’s insane. My wife and I probably save $120 a month on everything from bulkier groceries/snacks, paper towels/toilet paper, laundry detergent, some clothes, tires and gas. We don’t even drink soda or have pets, both of which can more than pay for a membership. We live an hour away and factor our time/wear and tear on the car into how much it saves us. $120 a month easily even on a light month." – sevseg_decoder

Spotify Premium

"I've had Spotify premium since 2011 and I listen to it all day every day. Best value subscription." – Breakfast_1796

"Undoubtedly this, especially compared to what you used to have to spend on physical media. Even then, you’d be stuck with the same handful of albums with one good track instead of nearly every song ever recorded." – Chewie83

"Sometimes I imagine explaining Spotify to my 16-year-old self. "So for about the price of a single CD a month... You can have all the music ever, on demand. All of it, Whenever you want..." It's honestly a dream come true for me lol." – DAFUQ404

"I've had the spotify family plan since like 2015 or so. 15/month for 6 people? Yes please!!! I'd be paying 10 just for me to have premium. Now my fiancée, my adult children, my bestie, and her husband all have a quality music service." – eyemacwgrl

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Mom's real world budgeting lesson goes viral after it leaves her kids feeling overwhelmed

"I just won't eat lunch. I'll just eat a big breakfast. I probably won't eat breakfast."

Ariel B.|TikTok

Mom does budgeting exercise with kids. They're stressed.

Kids, as much as we love them, they're like our little broke best friends. They seemingly always want something and have little to no concept on how much money things cost.

There are some parents that start explaining how finances and budgeting works at an early age so kids know what to expect. It also likely helps them understand that parents don't have an infinite amount of money to spend on unnecessary items. Ariel B. is a mom and content creator that created budgeting worksheets for her children to use to learn how to budget and uploaded the video to TikTok.

Let's just say, the kids were a bit stressed before they even finished the worksheet.

The mom of four gathered her children around the table with budgeting worksheets and a $3,000 imaginary budget, which is based off of a $15 minimum wage plus an additional $500. Ariel explained the average cost of rent in their area and instructed her kids to look up the average cost for utilities in an apartment.

"How long are you leaving your lights on," one of her daughters asks. To which Ariel responds, "well, all of our lights are on in here and you don't seem to mind."

At one point in the video, they're discussing a food budget when one of her children says he will eat take out daily. Reality quickly set in when Ariel encouraged them to crunch some numbers.

"That's too much money, actually," the younger daughter exclaims. "I just won't eat lunch. I'll just eat a big breakfast. I probably won't eat breakfast."

@the_arielb

Teaching my kids budgeting💰 FREE PDF 🔗 in bio ❤️

In another video, one of the children is appalled that they would be expected to pay first and last month's rent when moving into an apartment. The older daughter is simply flabbergasted at the lack of available money.

"I have nothing. I have no money at all. And I don't know what to do about it," the girl says. I cut all of my ones and I'm already on a bike. Like I don't know what to do. Like what else can I do?"

Oh, little ones, welcome to Adulting 101. These kids are likely thanking all of the stars in the sky that this was just an imaginary situation and not something they need to worry about for a long time.

@the_arielb

Teaching my kids budgeting, they only have $3,000 a month. 💰 FREE PDF 🔗 in bio ❤️

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