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saving money

Enjoy Valentine's Day without the need of extra cash.

Valentine’s Day is a special day in which we acknowledge and celebrate the loves in our lives. At least that’s what many marketers are counting on. While the holiday itself is nice, many people are bombarded with pressure to make the day special and that usually follows with several companies selling you expensive products, experiences, dinners, and gifts in order to make the day special.

But you don’t need a lot of money, or any money at all, in order to make the day genuine, authentic, special, and loving towards your partner. Many folks on Reddit and social media are sharing how to make the day special without spending a lot of money. Here are some the top suggestions we’ve found:


“Make a special homemade meal together.”

Taking a moment to cook together something special makes it an easy inexpensive gift for yourselves. It allows you to spend time together not just socially, but as a team to create something delicious. Many couples suggest making homemade pasta given how fun it is to make and how fresh it tastes.

That said, you don’t have to be culinary wizards. If you’re both too intimidated to make a whole meal from scratch, just make or bake a dessert together to share instead.

“Have a small bonfire.”

If you have a backyard, check local laws and your HOA if you have one to see if you can have a small private bonfire with your sweetie. Just enjoying roasting hot dogs and marshmallows, having sips of spirits, and cozying up with your partner while enjoying the warmth of the fire can provide a wonderful quiet romantic setting.

“DIY Spa!”

- YouTubeyoutube.com

Valentine's Day should be relaxing as well as romantic. One great way to do that is to give each other the spa treatment at home. Prep up some fresh towels and bedding for the evening and get some relaxing skin lotion or oil. Before the holiday, watch some massage tutorials on YouTube that you and your partner might want to try out on each other. If you want to go all out, search for bath bomb recipes to make at home and enjoy a bath together. During all of this, put together a Spotify or YouTube playlist of relaxing music or your favorite love songs to just vibe out in relaxing care.

“Star gaze.”

Couple star gazingPhoto credit: Canva

The outdoors are free and beautiful. If the weather is nice, grab a blanket and lay out on the ground with some snacks, wine, and/or a hot beverage to just hold one another while looking at the night sky. It’s simple, it’s cheesy, but it’s wonderful.

“Make art together!”

- YouTubeyoutube.com

A great way to relax at the end of the day and connect with your partner can be indulging in creativity together. Paint a picture together with each person contributing to a single art piece. If you’re crafty and already have the supplies, spend the evening making jewelry for one another or a clay sculpture. If you like art but don’t have anything special around the home, just drawing and coloring pictures for one another can be a cute, fun, and relaxing way to show off your love. Remember, none of it has to be “good.” It’s the fun together that matters.

Whether you take any of these suggestions or not, Valentine’s Day is as special as you make it. Whatever you and your partner want to do or not do together is what will make it great for you both.

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

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

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

fish and chips food truck

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

crowd at a concert

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

remote pointed at a tv with the netflix logo on it

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

dog lying on the sofa

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

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.

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.

debt, no buy year, no buy month

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.