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Education

9 super simple things people can do to save money that are often overlooked

Doing all of these things really adds up.

Photo credit: Canva

People might not consider driving the speed limit to taking care of your teeth as money-savers, but they are.

No matter how the economy is doing at any given time, people are always looking for ways to save money. Rents go up. Job losses happen. Kids need braces. Retirement looms.

Financial advice often focuses on where to put your money for the best returns, but that advice is only helpful if you have extra money to save or invest. Money-saving tips can help free up some cash to save or invest, and they can also help you avoid having to put borrow money or use credit for things you can't immediately afford.

While some people understandably scoff at frugal tips like "eat less avocado toast"—as if saving a few bucks here and there will solve the housing crisis or make college affordable—there is something to be said for small amounts adding up. For instance, not buying a soda when you're eating out to save $4 may not seem like much, but if you did that once a week, you'd save over $200 in a year. Not a fortune, but nothing to sneeze at either.

And if you start combining lots of small money-saving habits like that, you may be surprised at what a difference it makes. Here are nine super simple ways people can save money—but often don't—from users on Reddit:

Take good care of your teeth

"An ounce of prevention's worth a pound of cure," as the saying goes. Toothbrushes and dental floss are cheap. Cavities, root canals and gum disease are wicked expensive. Good oral hygiene may not be the first thing you think of when it comes to saving money, but ask anyone who has neglected their teeth how much it has cost them in the long run.

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"Take care of your teeth: brush and floss everyday - preventative care now will save you THOUSANDS later if you need major dental work!

"Yup. This is often overlooked advice. My mom had lost most of her teeth by the time she was my age (40). She always said that this was her biggest regret in life. Because of this, my siblings and I have always been pretty good about taking care of our teeth. Right now my mom has dentures that don't fit well because she lost another of her remaining teeth but can't afford new dentures."

"As someone who has paid a thousand and will pay many thousands more in the near future…yes. Take care of your teeth."

"Can confirm! Just spent 20,000 on my teeth. Talk about eye opening!!!"

Only drink water

Drinks are expensive, and not just fancy ones. A basic soda will set you back $3 or $4 minimum at most restaurants, and everything else goes up from there. Water is free. Even at home, you can save a lot by simply drinking water. It's a simple rule that helps improve the health of your body as well as your bank account.

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"Drink water at restaurants and not soda."

"Only drink water. Not only will you save money, but your body will love you for this as well. Win\win."

"Water is my biggy. Don't drink soda period. Filtered at home. Doing this for 5 years and seriously tastes so good."

"Yep. Just take a look at what restaurants charge for a soda. It's usually around $3 now. Then, look at how many empty calories are in a 20 oz soda. It's basically 10% of your daily value on just one drink. Not worth it."

"If I learned anything in the military... drinking more water solves 99% of all problems."

Use the library (not just for books)

Free reading material? No brainer. But libraries have so many more free services that people often don't know about. From movies to language learning apps to artwork and tools you can check out, the range of things you can get from the library is wild. Definitely worth checking out your local public library's offerings if you haven't lately.

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"Make use of free services. Mostly, the local library. Sometimes there's a feeling that just because it's free it's trashy or peasant-like. I don't need to pay to see something in order to feel good about it. And libraries are amazing! Free books! Audio books! So many things."

"My library has tools and equipment available to borrow. Before going to big orange to rent a pressure washer, floor sander, paint sprayer, or post auger, I always check the library first lol"

"Public libraries are a gold mine for (almost) free. Ask them about their other options (than books, movies, music, etc.). Many libraries offer museum passes. I’ve heard of fishing poles. My library has a seed library."

"Ours you can check out a sewing machine. Plus attend a free workshop to learn how to sew!"

Ditch DoorDash

I know. All of those food delivery services are so convenient. But they're also soooo expensive. If you're in money-saving mode, definitely avoid these services like the plague. Just pretend they don't exist (because they literally didn't until very recently).

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"This. Your meal is easily 50% more expensive when you factor in delivery fees and a tip. and some restaurants charge more on door dash than they do in-person."

"Delivery fee? That's just the tip of it! Ever notice how there still is a bunch of extra fees on top even when they offer you the delivery fee for free?"

"And to make it worse, I tell myself that I have to order more food to justify the delivery fee! So now just paying more and overeating."

"It really is an addictive habit. We started using it during the pandemic and it really just was a bit of convenience that we found hard to give up because it was so easy... Pick up your phone, order, get delivery, eat, done... Every time we saw the card, we knew that the delivery fees were what was pushing our eating out budget way over but after a hard day of work and school, it was easy to convince ourselves that delivery is a worthwhile indulgence and the expenses add up real quick. It took us a lot of introspection and telling ourselves that we were 'sacrificing' for the future, and all that to stop ordering via delivery apps and within a couple of months, we saw us being closer to managing our budget."

Drop addictive substances

Addiction is a huge and tricky challenge, for sure, and I don't want to minimize how difficult this tip might be for some. But drinking, drugs, smoking, vaping, gambling—they all cost a lot of money. And the addictive nature of them means that you'll just keep spending more and more.

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"Quit addictive habits: Smoking, drinking, coffee, weed, etc. They're all expensive and you'd save a bundle quitting. But people don't because they think those things make life better. Some do and some don't, but the monetary savings can't be discounted. If you're broke, don't smoke or drink. Some people truly need weed for health problems. But nobody needs the others."

"Stop drinking and smoking, the government punishes you with a sin tax and makes big time bank of your vices."

"Seems obvious but quitting smoking. I see so many people complain about being broke but spend hundreds a month on ciggs."

"Stop drinking, smoking and going out so often. You'd be surprised how good sobriety feels! Even if you continue, just slow down!"

Say no to storage

Most of us have too much stuff. There is an entire industry around trying to help people pare down and "declutter," and there's an entire industry dedicated to renting people space to store their excess stuff. Making a rule to only hold onto the belongings that actually fit in your home will save you a lot of money in storage.

"More prevalent in the US, but get rid of your storage unit and most of the stuff in it. More often than not, you're paying more to store things that it would cost to buy it all again. If you can't fit it in your home, re-evaluate if you really need it."

"There are so many huge storage unit buildings in my area and it makes no sense to me. How important can this stuff be if you can't fit it in your home? I understand there are certain situations that require for a short term solution."

"That was my goal for 2022, Took me a few Saturdays to go through everything but it was worth it. I'm having over $200 a month now."

Cook at home a lot more

Even when inflation makes grocery prices uncomfortably high, it's still almost always cheaper—often significantly so—to cook food at home compared to eating out. Yes, that even goes for fast food. There are a million videos and social media channels dedicated to cooking and recipes can be found for free all over the internet.

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"Cook at home 98% of the month."

"Cooking/meal prepping VS Eating out every night."

"Batch cooking saves both time and money. Like you can spend 2 hours making meals for the rest of the week. Paying 8-15 dollars to eat out adds up very, very fast, if you do it regularly, to keep up with work or personal schedules."

"Learn to cook what you like to eat."

Drive the speed limit

This isn't one people usually think about, but driving the speed limit saves you money in several ways. For one, it's gas-efficient, and with the cost of gas in some places, it's worth easing up on the gas pedal. Second, speeding tickets are expensive, plus they lead to higher insurance premiums.

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"For those that don't get this: driving the speed limit avoids citations but also saves you gas, extends oil life and tires some, extends brakes quite a bit, and just generally lowers the wear and tear on your vehicle."

"This is so underrated, I don’t think enough people realize the extra cost of driving fast."

"It also only gets you there maybe 1-2 min faster, at best. Hitting Traffic lights at the wrong time will ruin any gains made by speeding. And only if you don’t get caught. Get caught and get points on your license, a fee, and it delays you 20-30 minutes."

"Your car insurance rates go up when you get tickets also. Get too many, and they may drop you."

"My step-sister was saying she pays the city about $500 a month in speeding tickets and parking tickets. The real wild thing is she said it like its a normal thing everyone has to deal with, like she was shocked when we didn't say 'Well that's <CITY> for you. What can ya do?'"

Fix things yourself

Many people never consider trying to fix something themselves, assuming that sort of thing is best left to the experts. But there are so many resources now with YouTube videos and such that can help walk you through a lot of fix-it projects that can save you boatloads. Not everything can be a DIY, of course, but probably more than you might think.

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"I've saved thousands of dollars by repairing things myself following YouTube videos. Washer, dryer, automotive stuff, cell phone screen replacements, etc."

"There is a website, repairclinic.com. They not only have tons of videos on how to fix stuff, but they also sell parts. I have a dryer that’s over 40 years old. I can’t get parts for it in regular stores. That website has been a lifesaver! I’ve been able to keep the thing going for the last decade and it works great! I’ve spent maybe $75 over the years to keep it running. Definitely cheaper than a new one."

"If you tackle things within reason it saves a butt load of money. $350 mechanic bill turns into $16 part and 1hr of your time."

From Your Site Articles

money

Pop Culture

Middle class families share how much money they have in savings and it's eye-opening

"I transfer money each paycheck but always end up needing to transfer it back."

Photo by Karolina Kaboompics/Pexels

Many middle class families are sharing that they have nothing in savings right now.

According to an April 2024 Gallup poll, 54% of Americans identify as part of the middle class, with 39% identifying as "middle class" and 15% identifying as "upper-middle class." That percentage has held fairly steady for years, but for many, what it feels like to be a middle class American has shifted.

Notably, inflation caused by the pandemic has hit middle class families hard, with incomes not keeping up with cost-of-living increases. Housing costs have skyrocketed in many areas of the country, mortgage interest rates have risen to levels not seen since the pre-Obama era and grocery bills have increased significantly. One government study found that cost of living has increased between around $800 and $1,300 a month depending on the state since 2021, putting a squeeze on everyone, including the middle class.

One woman shared that her family is just getting by and asked other people who identify as middle class to "chime in" with what they have in their savings account.

"I swear, every paycheck I am putting money into my savings, but needing to transfer it back within a few days," shared @abbyy..rosee on TikTok. "My registration is due. My husband's registration is due. He needed two new tires, even though they had a warranty. That's $300. My oldest needs braces, he needs a palate expander, that's $120 a month. Not to mention groceries are $200 more a week. Forget about feeding your family great ingredients because who has $500 a week to spend on perfect ingredients to feed your family?"

@abbyy..rosee
somethings gotta give #savings #middleclass #relatable

She explained that her husband makes enough money that they should be able to live comfortably, and that she quit her job because the cost of daycare was more than she was making.

"At some point, something has to give," she said. "What is going on? How do I save money?"

People in the comments chimed in with their savings account totals and it was quite eye-opening. Many people shared that they have $0 saved.

"We make the most money we ever have and have zero savings. We live paycheck to paycheck and every month I don’t know how we get by."

"I think the middle class is 1 personal disaster away from bankruptcy."

"Y’all got savings accounts?!?! 😂"

"I used to freak out if I had under $10k in savings, now I’m happy when I have over $150. 😫"

"We make almost 100,000 a year with no savings!!!! It's always something!!"

"I'm lucky if we have $500-$1K for an emergency. every single time we start saving something happens. the vet, the cars, the kids... something."

"Savings account? I transfer money each paycheck but always end up needing to transfer it back. My husband makes great money too but we are scraping by."

"$803 but we have to pay a $750 deductible this week b/c my Husband hit a deer soooo… back at it 😭 It’s exhausting. Constantly draining it, refilling it, transferring."

Some people shared that they do have some savings, but several said it was because they'd had an inheritance or other chunk of money come their way. Many people shared that their savings has dwindled as increased costs have taken their toll. Some people gave lifestyle advice to save money, but most agreed that just the basics have gotten so expensive it's harder to make ends meet much less put extra into savings.

Thankfully, the inflation issue appears to be waning, but even just plateauing at their current financial reality isn't ideal for many American families. Middle class is supposed to be a comfortable place to be—not rich, but well enough off to feel secure. That's not how many middle class folks feel, though. Most Americans don't have anything close to the amount of money saved that is recommended across the age spectrum, but at least hearing that others are in the same boat is somewhat comforting.

It can be vulnerable to put your financial reality out there, but it's helpful to hear what other people are doing and dealing with so we all feel less alone when we're struggling. Perhaps if people were more open about money, we'd all be able to help one another find ways to improve our financial situations rather than lamenting our empty savings accounts and wondering how to change it.

This article originally appeared on 7.17.24

From Your Site Articles

economy

Education

Americans have 4 core beliefs about money but only one leads to success

Changing our thoughts can be a pathway to success.

via Karolina Kaboompics/Pexels

A happy woman holding up a few hundred dollars.

A strange thing about being an adult is that many of our core personality traits, including our attachment styles, attitudes towards failure and ability to resolve conflicts, are developed as young children and can follow us for the rest of our lives.

In addition to those traits, psychologists are beginning to understand that we develop our attitudes about money as children and they can significantly impact our financial future.

American clinical psychologist and planner Dr. Brad Klotz developed a theory called the Klotz Money Script, in which he outlined the four core beliefs that people have about money. They are either money-avoidant, worship money, status-seekers, or vigilant.

He’s also created a test that people can take to learn which money script they follow.

Klotz believes that many factors contribute to the money scripts we run in our heads. “It’s not just errors in thinking; it’s also developmental psychology, multicultural psychology, family systems. It brings in all these other areas of psychology to help understand financial behaviors,” he told The American Psychological Association.

Here are the 4 money scripts:

Money Avoidant

People who are money-avoidant believe money is evil. They might feel they don't deserve money, think the wealthy are corrupt and see virtue in living with less. They may be prone to sabotaging their finances, have trouble budgeting, or avoid dealing with money altogether.

Money Worshippers

These people believe that money solves problems and brings happiness. They never feel they have enough money and find that the pursuit of money makes them miserable. They often have high levels of debt and lower net worth.

Status-Seekers

Status-seekers often equate their sense of self-esteem to their net worth. They like to show off flashy clothes and cars but are prone to overspending. They are usually attracted to gambling, borrow money from others and hide spending from their spouses.

Money Vigilant

The Money Vigilant make the best decisions for their financial health. They believe in working hard, saying no to handouts and saving. They also avoid credit card debt and love a good bargain. However, being vigilant can cause them to fear their financial futures, which can create a constant feeling of anxiety.

Overall, Klontz believes that the financially vigilant have the greatest chance of becoming financially prosperous. However, it can come with some pitfalls.

“Don’t let your healthy vigilance turn into anxiety or a tendency to hoard out of fear. If you feel that watching over your financial situation is taking up more than an hour a week, keeping you up at night, or getting in the way of other hobbies or activities that you want to do, it may be time for a change,” he said according to SF Money Coach.

In the end, to be free from the financial attitudes that were cultivated in us as children—at a time when we hardly knew what money was—Klontz says it’s important to examine your past so you can plot a better future.

“Take some time, interview your family members, be an anthropologist into your own family,” he told CNBC. “Try to figure out why your family has the beliefs around money that they have.”

From Your Site Articles

money

Pop Culture

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

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

From Your Site Articles

personal finances

Pop Culture

People reveal 12 everyday things that have gotten so expensive they can't afford them anymore

And a few hints on great bargains in today's economy, too.

Photo (left) by Joana Godinho on Unsplash, Photo (right) by Robert Larsson on Unsplash

From food truck food to pet care, people are feeling priced out of things that used to be affordable.

Despite record unemployment, a booming stock market and easing inflation, Americans are still feeling squeezed at the cash register. We knew the pandemic was going to cause economic woes, and to be fair, things could be a lot worse, but that doesn't ease the shock of seeing the total on a receipt that's far more than we used to pay.

A user on Reddit asked, "What’s gotten so expensive that you no longer purchase it?" and it opened floodgate of financial experiences and feelings. Life in general seems like it's becoming unaffordable for many of us.

"I feel like I can’t walk out of my front door without automatically spending $20," shared one person.

"For me, that was over ten years ago. These days leaving the house is a minimum $50," quipped another.

Certain purchases and activities are putting a much bigger dent in our pocketbook than they used to, so if you've been feeling it, take solace in the fact that you're not alone. Here are the things people said they simply can't afford anymore because the prices have gotten too high, along with some savings tips for making some of your favorite things more affordable:

Restaurants

"Me and the wife would have Friday as a more relaxing evening. We have 3 kids. We would always vary and order take away. Take away has gone from $30ish to $50, $60, $70 for the same stuff plus increased delivery charges. Not worth it anymore." – Ok-Stuff-8803

Family of 4, I feel your pain. We didn't go out (or order in) weekly, but it was a fairly common occurrence. Now it's a rarity, and its usually tied to a special occasion. It's frustrating because I feel like my family's standard of living is declining, even though I am progressing in my career and making more money. – Robbie-R

"GF and I used to eat out at a sit down restaurant once a week, now it’s more like once a month if that. It’s gotten crazy expensive." – largecontainer

Yep, fast food, too

"I was at a party the other night and a friend of mine randomly came in with a bucket of chicken from KFC. I was SHOCKED at how expensive it was. Pretty sure it was damn near 40 bucks." – Touch_My_Nips

"McDonalds. Not that I can't afford it, but I am not paying the current prices for cheap, processed food for on the go. They are trying to be fancier, they should accept who they are and stick to be being cheap and convenient, it has always worked for them." – TrixieLurker

"Two and a half years ago they still had the 2 for $2 menu and any size soft drink was a dollar. Now it’s the 2 for $3.99 and a medium soda is $1.19." – king-of-the-sea

Food trucks used to be a cheap alternative to sit-down restaurants.

Photo by Joana Godinho on Unsplash

Even the food trucks

"Food from food trucks. I'm not spending $15 for a grilled cheese that I have to wait in the rain for." – just_hating

"Food truck the other day was charging $20 for a basic chicken sandwich. No sides just meat and bread. I’m officially baffled by the world." – No-Statement9809

"I remember when food trucks used to represent simple finger food that was a cheaper alternative to restaurants (especially taco trucks; used to be like 3 for $8! Now, these f**king places are charging $15-$25 for a smaller sized plate than a sit-down restaurant. I have written them off entirely." – Fated47

Mobile apps

"Mobile apps. I’m absolutely infuriatingly tired of subscription services. The worst is that they let you download the app so they can claim it as a download, only to get stonewalled by a subscription page. Let’s go back to a one time fee please." – SmallRocks

"Most of them don’t even have a free trial. They’re free-to-download for marketing purposes, then immediately make you pay to use. Sh*t should be illegal." – ItsMeCyrie

"Add in app updates that removed features and put them behind a paywall 😢" – Mamasgoldenmilk

Concert ticket prices have gone berserk.

Photo by Anthony DELANOIX on Unsplash

Concert tickets

"I bought two sets of tickets this year for bands I've wanted to see for over 20 years. One concert cost me $600 for two tickets and the other was $300 for two. The ridiculous part of it all is that the fees alone cost more than one ticket. I can stomach $100-$150 for good seats to a band I like, I can't stomach another $150 in fees." – Syikho

"As someone who spends a lot of money on music $300 for a ticket to see a single band, maybe 2 or 3 with openers, for one night is ridiculous. Last few years I’ve been doing a music festival cruise and feel like I get the most bang for my buck. 6 days of music with 30+ bands mixed in with a tropical vacation for under 2k." – Newone1255

"Yeah, I grew up relatively poor and still got to see countless shows. Luckily a lot of my favorite bands were small-time and I could see them in tiny, cheap venues, but still several times a year I was seeing world-famous bands.

"It is literally prohibitively expensive to the average person to see concerts regularly anymore. And I don’t even f**k with arena shows." – robotatomica

Chips, cereal and soda

"Dude, $7 for Doritos is NUTS. Even store brand chips are getting pricey." – trafficrush

"Ditto with cereal! The boxes have gotten so small and they’re like $7!" – thenisaidbitch

"Soda. Used to enjoy a sprite occasionally. I'm just not paying 3 or 4 dollars at this point for sugar water that kills my insides." – SmokeLawn

"No snack food. Pretty much just buying staples/meat/dairy/fruit/veg and making everything from scratch. Ultra processed food is terrible for you anyway." – _manicpixie

SAVINGS TIP: Shop Aldi

"Aldi is the only place I will buy cereal anymore. $2.15 a box vs $6." – Moronmagnet72

"My uber picky kid LOVES Aldi brand cereal. Thank god." – peachy_sam

Streaming services keep raising their prices while canceling our favorite shows.

Photo by freestocks on Unsplash

Streaming services

"Netflix is about to be that way. They're gonna do another price hike later this year and that's just laughable to me. Blows my mind that they can cancel damn near every show that they produce in three seasons or less and then have the audacity to keep wanting people to pay more. Like, I'm not even exaggerating when I say that I've probably watched more than fifty Netflix original series over the past several years and that less than a dozen of them made it past three seasons or gotten proper endings." – IDoBelieveInGarys

"I cancelled Netflix back when they stopped allowing password sharing (I share it with family) and just cancelled Disney+ and Hulu for the same reason. HBO Max and Paramount get my money until they do something stupid too." – TrilobiteBoi

"I canceled all of my subscriptions except one and will be canceling the last one in the next month or so. They’re too expensive- Hulu, prime, Netflix- it’s just cable all over again." – Dementedstapler

SAVINGS TIP: Streaming service cycling

"Years ago I decided that the best thing to do is just cycle through streaming subscriptions one at a time. Right now I've got Disney+/Hulu. If I find that I've watched everything on there and I'm bored of it and there's nothing else coming soon that I want I'll cancel it and move on to HBO or Netflix or whatever and catch up on all the stuff that's come out since the last time I had that service. I don't really care that I'm not able to watch every show that's great right when it comes out." – tenehemia

"We need to normalize regularly cancelling memberships. No one's giving you a discount the longer you stay and resubscribing doesn't cost anything extra. I'll gladly wait until Netflix / Hulu / Whoever releases a few shows I want to watch, pay for a month to watch them, then cancel again." – Fine_on_the_outside·

Manicures and pedicures

"I don't visit nail salons at all anymore." – mondaysareturds

"i was coming to say this. i used to do mani/pedi twice a month before covid. but now it’s $50 before tip for REGULAR not gel not acrylic and that’s just insane to me. i’m from nyc when i was a kid (im 25) mani/pedi was $15." – Neat-Lawfulness9586

"Same here, I used to go once a month to treat myself now I can't even afford just to go once a year." – UnicornTurtle_

SAVINGS TIP: Beauty school salons

"If you can find a beauty school, go there. Great prices, the students are watched by teachers and they do a great job. And the beauty school where I go has coupons, and discount days for different things. It's really worth looking into.

That's where I get my hair colored/cut too. I've got long hair (middle of the back) and I can get something that would cost $300+ at a salon, for like $100 +tip. And if you don't like what you got, they will go out of their way to fix it." – Ihavefluffycats

Feeding our furry friends is pricey enough, but vet bills are something else.

Photo by Robert Larsson on Unsplash

Pet care

"Having a pet :( I’ve had pets my whole life, but lost my last cat a few years ago. I miss having a companion but I know I cannot afford beyond basic care right now or an emergency if it were to arise." – No-Ambassador-6984

"Our 12 year -old cat had bladder stones and needed surgery a couple of years ago. The bill came to like $7500 🫠" – Noisycarlos

"I feel your pain. I worked as a veterinary technician. My last job gave us 40% off. I couldn’t afford bloodwork for my diabetic cat. When I quit that job for something that paid better and wasn’t going to break my body, I realized I had 4 pets and no discounts! I almost kept my license so I could moonlight for some savings. I’m on pins and needles if anyone sneezes in the house." – wisemonkey101

"This is true. Vet bills are insane. Boarding is so expensive I look for pet friendly AirBNBs when going on vacation because the pet fee is tiny by comparison." – Got_Cabin_Fever

SAVINGS TIP: Foster animals instead of adopting

"Have you considered fostering? You give them all the love and they (shelter/rescue organization) pay the bills!" – conflictmuffin

"My nearby shelter just put a plea out for fosters because they are way over capacity. I’ve fostered a lot, and sometimes it can be hard to say good bye but it a truly good kind of pain." – imadoggomom

"Lots of my military friends do this and they are genuinely so happy with the arrangement! Good luck." – savannigray

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Education

PhD student shares her plan for a 'no buy year' that could save her thousands

Small tweaks like this could help almost anyone get closer to their financial goals.

@miawestrap /TikTok

Many people find a no-buy year to be extremely helpful for their financial goals.

Everyone wants to save money. But with continuously rising costs, virtually no one knows how to make those lofty “10K in savings by 2025!” aspirations really happen.

One thing’s for sure—without some kind of plan, they most assuredly won’t happen. Which is why PhD student Mae Westrap created a detailed list of actions to make 2024 a “no-buy year."

For those who don’t know, a “no-buy year” is a self-imposed set of rules when it comes to extraneous spending. Though everyone’s “no-buy year” might look a little different, the general rule of thumb is to avoid unnecessary items or impulse purchases. That extra money can then go towards debt, savings, a larger, a more meaningful purchase, whatehaveyou.

Determined to stop “living paycheck-to-paycheck,” Westrap began taking a hard look at her finances and realizing that she wasn’t spending on “experiences or anything special,” leaving her to blame her situation on “pure laziness.”

And thus, her “no-buy” plan was born. And to hold herself accountable, she

's shared her journey on TikTok.

First up on the agenda: consolidating books and entertainment.

no buy year, finances, how to save money

If you haven't perused your local library lately, do yourself a favor.

@miawestrap /TikTok

Westrap admitted that she spends way too much on books, and will often put down a book she has already purchased because the next new release has caught her eye (relatable). So to combat this, she purchased a library card, which she was amazed to discover how much her library card had in terms of new releases and even audio books, which made her able to also cancel her Audible subscription.

In addition, Westrap created a list of books she already had that she’s excited to read to keep her motivated to use what was already available. Plus, she went through and canceled streaming subscriptions she wasn’t using like Disney + and Paramount +.

Westrap's next goal might be a tad controversial: cutting out caffeine.

Pepsi is a "big no-no" for Westrap this year.

@miawestrap /TikTok

Westrap shared that she would be weaning herself off of her beloved Pepsi Max, which she currently bought 500-milliliter bottles of everyday that set her back about “a grand a year.”

“That’s like the big no-no of 2024,” Westrap said in her video.

And while this might trigger some coffee lovers out there, with cafes costing anywhere from $1 to upwards of $5+ a cup—depending how fancy you take your joe—it’s a habit worth looking at to see where costs could be cut.

Lastly, Westrap made a list that put items in one of three categories. Green (for items she could buy without question like groceries) Yellow (for items that could be bought if she has extra cash, like face cleanser) and a red list (for things she absolutely cannot buy, like Pepsi Max, books, clothes, etc.).

@miawestrap 2024 is the year of no cherry pepsi max. Not sure why I said I “bought” a library card, they’re free!!! #nobuyyear #nobuy2024 #nobuychallenge #lowbuyyear #budgeting ♬ original sound - Mia Westrap

While your no-buy list doesn’t have to look like Westrap’s, her template makes it easy to replicate in a way that does make a no-buy year work for you, especially as you figure out your own red, green and yellow categories.

Yes, a no-buy year does take some planning, but in addition to extra cash flow, you can also have peace of mind, a chance to declutter, more time and energy to spend on something more meaningful to you. Plus less consumption means less waste, meaning less damage to the environment.

It’s also good to note that you can commit to a no-buy month, rather than a full year. Or a no buy year for one item. Again, this should probably be a personal approach that’s challenging, but it doesn’t have to be extreme. And even if you “fail” in your no-buy attempts, you have still changed your relationship to shopping, which is a big win.

Bottom line: any goal, certainly a financial one, needs to be broken down into small actions that feel doable. A no-buy year is just one example of how to enact that principle.

To follow along on Westrap’s no-buy journey, find her on TikTok.

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finances

Pop Culture

19 super practical life hacks people swear by to save money, time and aggravation

“Life hacks” may be cliché, but all these deliver.

via Karolina Grabowska/Pexels

Happy woman in blue long sleeve blouse holding money.

There isn't a person on the planet who doesn't have some trouble with the basics in life, whether it's time management, focus, money, health, children, waking up, staying organized, getting enough exercise, or making sure they can find their car keys.

Some of us do better than others, but we could all help with the basics. The good thing is that we have each other to help us along the way. One of the great things about the internet is that it allows us to crowd-source great advice on conquering life’s struggles from strangers.

Now, imagine how extraordinary our lives would be if we could only put them into practice.

A Reddit user called angelicasibs asked people on the LifeProTips forum to share their “favorite” life hack that has “saved you money, time, or made your day-to-day activities easier.” They received over 3,300 responses, and many were super practical but not necessarily obvious, life hacks they swear by.

Many of the hacks are for developing the focus and dedication it takes to handle small tasks before they get out of hand. A lot of times, it’s not the big things in life that cause us stress, but a dozen small things that add up to a big headache.

People also shared their tips on how to save money, keep their kids on task and stay hydrated. So, here are 19 of the best life hacks to give you money and time or make your day-to-day activities easier.

1.

"When my kids started school, I set an alarm on my phone for about 10 minutes before we had to leave. That way, it was only the clock/alarm telling them to hurry up, not their mother. They’re in their final years of schooling now, I still have the alarm and in those 13 years, I’ve only had to yell to get ready maybe 5 times and my kids have only been late for real reasons (car trouble etc). It really helped us." — Technical-General-27

2.

"I keep a $2 Great Value feather duster in the glove box of my car. At the first sign of dust accumulation on my dash, vvvt vvvt my dashboard and vents are pristine again. Learned this LPT from the most awful woman I've ever had the displeasure of dating, which just goes to show you can learn something from everyone, folks." — NeverEnoughCharacter

3.

"When the butter is cold use a potato peeler to get a nice thin slice that spreads easier." — ldawg413

4.

"'Just 10 minutes': Put on a timer, and start doing what needs to be done in the house. Folding the laundry, washing dishes, putting away clutter, etc. When the timer goes off, you can stop. But far more often I'll just keep going until everything is done." — feestfrietje

5.

"Mine is 'Might as Well' when walking past laundry on the floor, might as well take it to the bin if I am heading that way. Walking past trash on the floor, I Might as Well pick it up and put it in the bin. Going downstairs Might as Well take a cup and put it in the sink. Trying to compress multiple activities into one when it is convenient." — w13szczus

6.

"Batch cook lunches. It takes an hour out of your Sunday but is so much cheaper and ensures you don't just eat junk food because it's easier." — looj87

7.

"Stop caring if things go well or not. Literally revolutionized my life and how I enjoy the world. Being frustrated by circumstances out of your control will drive you insane. And if you look closely, basically everything in your life is out of your control. It’s just raining circumstances on you every day." — unnameableway

8.

"For dealing with emails: The Four Fs - Finish it (read and reply), Forward it, File it, F… it (delete it)." — knownuthinatall

9.

"When my 3 kids were little, and there were lots of taco Tuesdays and spaghetti dinners, I would buy hamburger meat in bulk and go ahead and cook it and then freeze the cooked burger crumbles in 1-2 cups freezer bags. Easy to pull out, defrost and reheat." — srchd4

10.

"Don’t drink your calories. A small glass of orange juice is 130 calories. A can of soda is 140. A bottle of beer is 160. Swap those out for water/tea/black coffee and that’s 430 calories you didn’t consume each day." — ernurse748

11.

"Weekly menu planning combined with meal prep. Once a week, my fiance and I go through our pantry and freezer, and plan out a menu for our evening meal. This allows us to grocery shop once a week for only the items we need for said meals that we don't already have in the house. When we make those meals, we make enough to have a couple leftover containers for the next day's lunch, or put in the freezer for a future meal." — 306ughmyknees

12.

"Lifting weights. It literally makes every aspect of my life better." — marshall_chaka

13.

"At stores or anywhere that has a membership connected to a phone number, I always use whatever area code I’m in + 867-5309, usually someone has it set up to that number and you get the discount." — UhOh_its_Rambo

14.

"Floss. Get some floss picks and use them after every meal. It doesn't have to be a crazy process. I'm in my late 40s and still have all of my teeth, and when I go to the dentist, they always say, 'Whatever you're doing, keep doing it.' There is a lot of evidence that poor gum health can lead to heart disease and other issues. Lazily using a floss pick after meals can make a huge difference." —LostMyKarmainElSegundo

15.

"Minimalism and going low waste. Both saves a ton of money, minimalism saves a lot of time as well (managing and cleaning a household becomes way easier and faster)." — SquirrelTail13

16.

"Always put your keys, wallet, phone, or any other everyday important item in the same place every time. Don't put it down anywhere else, but its designated place. This will save you 5-10 minutes searching for any one of these items on a regular basis. This time adds up and helps prevent you from being late to things. It very well might save you from losing your job." — ShiverMeTimberz

17.

"Deleted all social media. Do not regret it at all. Have so much more time, concentration has improved drastically, and mental health has improved." — jmffett

18.

"Home automation definitely; robot vacuum and turning on ACs before I come back home." — Legitimate-Station45

19.

"The quicker you do it, the quicker it's over with. You still have to do it if you put it off, but now instead of sitting there dreading doing the thing you can be glad it's already done. Exercising is a good example. Do it in the morning and the rest of the day you don't have to think about how much you don't want to." — ThatVaultGirl101

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life hacks