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6 foods that are so much cheaper to grow than to buy it's not even funny

Gardening isn't always easy, but it's definitely worth it for these crops.

Photo credit: Canva

Certain fruits and vegetables are particularly cost-effective to grow yourself.

Some people are born with a green thumb and love the idea of having a garden full of all kinds of produce. Others of us struggle to keep basic houseplants alive and feel overwhelmed by the idea of trying to grow our own food. Anyone who's tried to grow a garden knows it's not as simple as just throwing some seeds in the dirt and waiting, and if you don't really enjoy it, gardening can feel like it isn't really worth the time or effort.

However, there are some fruits and vegetables that are worth trying to grow, even with some initial cost and time investment, simply because growing them is so much cheaper than buying them. That's not automatically true of all produce, but for these six foods, if you succeed in nurturing them to harvest, you can save a bundle vs. buying them at the supermarket. (Yes, even when they're on sale.)

vegetable garden, grow your own food, plant a garden, save money, produceGrowing your own food can save money, especially with certain crops.Photo credit: Canva

Tomatoes

There's nothing like a fresh tomato right off the vine, first of all, so that's a reason to grow your own tomatoes all by itself. But tomatoes are fairly easy to tend and cost approximately six times less to grow than to buy by some estimates. And that's even if you include some initial cost for soil, a pot, and a starter plant. If you already had a garden plot and grew from seed, it would cost you even less.

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Tomatoes can be frozen or canned to make a large harvest last longer than the growing season and then used in sauces and soups. Baby or cherry tomatoes can be frozen whole and roasted in the oven straight from the freezer.

Zucchini and other summer squash

Have you ever had a friend with a zucchini plant who tried to give you zucchini every time you turn around in the summer? Once these famously prolific plants start poppin', they don't stop.

You can grow zucchini in a bed or in a pot. You can also grow it vertically, like this:

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Zucchini's cousin, yellow squash, is similar. Before you know it, you've got squash coming out your ears. You can give it away, but you don't have to. You can slice it up and freeze it for soups or stir fries after the harvest comes to a close.

Peppers

If you buy bell peppers, you know they can be on the spendy side, especially if you buy organic ones. Growing your own can save a pretty penny, though, especially once you get a garden plot or container established for them.

One gardener demonstrated how a successful crop of pepper plants in his raised bed can save approximately $320 a year, and that's including initial startup costs. Savings would be even greater in subsequent years since most of those costs aren't recurring.

@geekygreenhouse

How much money can you save by growing your own bell peppers? #gardening101 #gardeningtips

Peppers can be frozen fresh to be used in cooked dishes later. (Are we getting the hint that a large freezer is a necessity when you have a garden?) And the grow-your-own savings goes for all kinds of peppers, not just sweet bells. Poblanos, jalapenos, serranos, chili peppers—you can have a whole array of pepper plants right at your fingertips.

Lettuce

Salad lovers, rejoice, because growing your own leafy greens can be a big boon for your diet and your pocketbook. Romaine lettuce in particular is a fast-growing green that replenishes in just a week or two, so if you have a few of these babies planted you'll be eating fresh salads on the regular through the spring and summer (and into fall as long as the weather holds).

Lettuce is a comparatively easy crop to grow, so don't be intimidated if you've never done it.

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To harvest lettuce, you can cut off the largest, most mature leaves to eat, leaving the interior of the plant alone so it will keep on growing. Another method is to slice the whole lettuce plant straight across, as long as you leave the "crown" in the center so it can keep regrowing.

With lettuce, unfortunately, you don't get the ability to freeze for later, but having fresh salads for many months of the year makes up for it.

Cucumbers

If you enjoy the fresh, crisp crunch of a cucumber, growing your own is where it's at. While how much you can save will vary depending on where you live, where you shop, and how successful. your crop is, a cucumber patch can yield a ton of cucumbers, especially if you learn some tricks specific to cucumber growing.

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One of those "tricks" is to regularly harvest your cucumbers. The more you pick, the more the plant will produce—nifty, eh?

Another tip is to keep them watered well. Cucumbers are largely water, so they do require a lot of water to grow. Just don't get the leaves wet—keep the watering at the base of the plant.

Fresh Herbs

This might be the most cost savings you'll see in a garden, especially if you use a lot of fresh herbs (which you should—they're so good!). Have you ever bought fresh herbs in those little plastic clamshells at the store? They're usually $2 to $3 each for just a handful of leaves or sprigs, and they don't stay fresh for long. An herb garden can save you tons and provide a nonstop source of fresh flavorings.

Basil, oregano, rosemary, and mint are particularly easy to grow and you can even grow them in your kitchen.

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But a full-fledged herb garden is even more fun. Cilantro, parsley, holy basil, chives, dill, thyme—there are so many herbs you can grow yourself. In fact, you may find yourself using more herbs if you grow them since you won't have to spend money on them at the store and they need to be harvested in order to keep growing. Aromatic, healthy, delicious, and cheap—win, win, win, win.

And you can dry or freeze excess herbs to use for cooking later as well. So much winning.

Growing your own food isn't always easy, but learning how to garden crops that can save you big money is definitely worth the time and energy investment to try.

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27 tips to help you thrift shop like a boss this summer season.

Save some cash, save the planet, and dig for some hidden thrift shop treasures.

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Savers + Value Village

Summer is finally here! (Well, almost.)

As the weather heats up, we’re drawn to brighter colors and lighter fabrics — cue your desire for a complete closet refresh. It's tempting to invest in an entirely new wardrobe to match the coming season, but fashion can come with a hefty price — both for your wallet and the environment. Did you know that it can take up to 1,800 gallons of water to make a single pair of jeans? 1,800 gallons!

This year, instead of heading straight for the mall or diving into the abyss that is online shopping, consider checking out your local thrift store for all your summer fun needs — from poolside lounging to graduation parties or weddings. Thrifting can be a great way to save money (and the planet) while prepping for summer.

Like anything, thrifting can be an art. We're here with some tips and tricks to help you get your thrift on this summer.

Before you go:

1. Grab clothing and accessories from your own closet that you no longer need and are ready to recycle. Make room for those new finds and donate to local charitable organizations while you're at it.

2. Get on the mailing list or join the store's loyalty program. Research what days have deals for certain items — up to 50% off, or buy one get one free. You might even be able to get a discount on your birthday.

Image via iStock.

3. Set a budget. It'll help you stay focused on items you actually need. Even a small budget can get you quite a haul at stores like Savers, where nearly 95% of the items sold are under $10.

4. Bring a friend. You'll cover more ground in the store and have someone there to give an opinion on your more peculiar finds.

5. Looking for something vintage? Check out these tips on snagging awesome vintage finds (for instance, did you know that metal zippers and side-snap closures are a sign that something was made before the mid-60s?)

6. Wear something that you can try things on over — like a tank top — so you skip the dressing-room lines.

7. Brainstorm a list of five items you're looking for. If nothing else, this will give you a place to start when you get there. But...

8. Be adaptable, the best part of thrifting is an unexpected find.

When you get there:

9. Think outside your own box. Keep friends and family in mind: a friend who's a different size than you are or a niece who needs a new book for summer break.

10. Give yourself some extra time in the store — hunting for hidden treasures takes time.

Shopping for clothes:

11. Don't limit yourself to your typical size. Sizes vary so much by brand and era; it's worth looking through at least four sizes smaller and larger than your usual.

12. Plan to try on your items before you buy.

13. In the summer months, keep an eye out for seasonal finds: sun hats and swimsuits and flip-flops — oh my. Stock up on the essentials.

14. Don't be intimidated by the shoe section: high quality, barely used shoes at a huge discount. Check the soles for wear.

Getting crafty:

15. Even if you aren't a craft expert, you can probably sew a button back on, hem a dress, or cut out some shoulder pads. Or you can visit your local tailor.

16. Looking for jorts (jean shorts) this summer? Find a pair of jeans with a bit more room in the thigh, cut off the legs, and roll the hems for some quick, super-comfy new shorts.

Image via iStock.

Shopping for knickknacks and housewares:

17. Check out the housewares section for seasonal party decorations. Lemonade pitchers, margarita glasses, and festive dishes galore.

18. Keep an eye out for gardening supplies — it's never too late in the summer season to plant some flowers.

19. In books, you'll find great reads for your next beach vacation, including current best-selling paperback fiction. Why spend full price?

20. Recipe books too. Nothing beats perusing through a hard copy of "Grilling for Dummies" or "50 Easy Frozen Yogurt Recipes."

Image via iStock.

21. Looking for a complete set of dishes? You'll find matching plates, mugs, bowls, and more in any thrift shop.

22. Keep an eye out for cast iron pans — with just a little love, even pans that look pretty beat up can be good as new.

23. The kitchen appliance section might surprise you — cake-pop makers, cordless wine chillers, donut makers, milk frothers, juicers, and so much more.

Before you check out:

24. Look for an outlet (or ask an employee) to test your new appliance before you buy it.

25. Didn't find what you were looking for? Try again tomorrow — seriously. Thrift shops like Savers put out up to 10,000 new items at each store every day.

On Fridays, we go thrifting. What will you be hunting for this weekend? cc: @meg_swellvtg #Savers #findthefind #regram

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26. Or try thrifting in a new area. Each store is unique, so it's worth trying the location on the other side of town or wherever you happen to be vacationing.

27. Have fun. It's a no-brainer, but an important reminder.

Thrifting is a win-win-win for your wallet, the Earth, and your community.

According to the Savers 2017 State of Reuse Report, over 6 in 10 people said they shopped thrift in 2016. As more people choose a thrifted tee instead of a new one, over time, this can help reduce resource waste — like thousands of gallons of water to create that new tee or a pair of jeans.

See you in the aisles!

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One woman worked multiple jobs and downsized her lifestyle to live out her biggest dream.

You've seen stories about people taking off and traveling the world. Here's how one woman saved up and did it.

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AICPA + Ad Council

In high school, Brooke Schoenman took a trip to Italy with her Latin class. She returned home determined to see more of the world.

“I remember being fascinated with how people like me were living in other parts of the world, speaking different languages,” she wrote in an email.

And that fascination would stay with her, leading her to take the biggest adventure of her life.

At 23, while working full-time as a help desk agent, Brooke made up her mind — she would give herself two years to save enough money to travel the world.

She wasn’t just working toward saving for a vacation or two. No, she wanted to spend a minimum of one full year living abroad, fully immersed in other cultures.

Image via iStock.

So she made a plan: She would cut down on unnecessary expenses. She’d sign up for overtime at work. She’d go out less. She’d take part-time jobs. She’d downsize her lifestyle in every way possible — all with the goal of saving up $30,000 in two years to fund her adventure.

It wouldn’t be easy saving that much money, but Brooke was determined. And she was fortunate enough to be able to devote as much of her time, money, and energy as she could muster to her ambitious plan.

"There was a time that I would work at my day job from 7:30 am to 4 pm," she wrote on Making Sense of Cents, "and then head off to do some evening waitressing ... from 5 to 10 pm."

It's the kind of schedule many people who need to bring in extra cash to cover their financial goals and needs are familiar with.  

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And it was worth it for her.

“I think having a bigger-than-life goal in mind helped,” Brooke explains. “I was saving for a life-changing experience — something so far from what was normal to me and anyone I knew at the time. It was exciting!”

Along the way, she celebrated even the smallest victories.

“If I took a change jar to the bank and it was twice as much as I thought it would be, I would make a point to celebrate," Brooke writes, "and sometimes I would allow a little splurge.”

The occasional treat was just as important as celebrating the small wins.

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"I tried to cut out everything in the beginning, but soon learned that the mental toll of less fun and less freedom to eat out or go to the movies was too much,” Brooke writes. “You have to budget in some fun money, even when you're going for a big huge goal.”

By doing this, she didn’t get overwhelmed by the magnitude of her goal. She remained motivated. (Knowing that you're not starving yourself of all life's pleasures is important for any savings goal. It means you can actually stick to your plan instead of burning out too early.)

A year and a half in, Brooke had saved $23,000. She decided that was enough.

Brooke describes herself as “someone who hates to wait." So, she explains, “When I started to get close to my fall-back goal of $25,000 (about $23,000 after plane tickets and gear), I decided that starting my life of travel half a year earlier was an acceptable option."

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So, she bought her plane tickets and set off to travel the world.

Traveling was more fulfilling than Brooke could have imagined.

From archeological digs in Menorca, Spain, to watching the jungle wake up at sunrise in Tikal, Guatemala, she pushed herself far beyond her comfort zone and experienced things that many only dream of. She even decided to make Sydney, Australia, her new home.

She's continued to lean on the tips and tricks she learned during that year and a half to fund other (shorter) adventures, like a three-and-a-half-month trip to Turkey, China, Mongolia, Russia, and Kyrgyzstan.

Image via iStock.

Today, Brooke's budgeting isn't nearly as extreme as it was for her initial goal, but she remains money conscious.  

And she's helping others save too by sharing advice and travel stories on her website: HerPackingList.com. Though her site's geared toward travelers, her tips are relevant for anyone saving toward a goal. (This calculator is also a big help in figuring out how to reach your savings goals.)

Brooke truly believes that saving up for a big goal is achievable. Though, she adds, saving doesn't come in a one-size-fits-all package.

“Everyone will have different circumstances surrounding their saving process. Maybe the cost of living where they are is higher or maybe they can't forego hanging with friends at bars and restaurants,” Brooke writes. “Once you can pinpoint the real reason the saving isn't working, you can test out alternative strategies and budgets until one works.”

Image via iStock.

Saving is hard. There's no doubt about it.

And $23,000 is a lot of money. For someone doing their best to just get by, such a large amount in such a short time frame may not always be possible.

But Brooke made the sacrifices she needed to save for the future she envisioned. And her experience shows that with perseverance, goals that seem like dreams can be attainable — it just takes patience, planning, and time.

So while your savings goal may not be a trip around the world, securing your financial future is just as exciting. Because while we never know what the future holds, preparing financially helps open some doors. Help make your dreams a reality by setting your financial goals today.

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Why saving money is hard — and how you can get better at it.

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AICPA + Ad Council

If you're like most people, you probably know it's hard to save money. Really hard. But do you know why?

Sure, we all know that one person who is really good at managing money and seems to have this whole saving thing figured out. But for the rest of us, storing all those "acorns" away for the winter is just tough. We all know it's important, but where — and how — do we even start?

First, know that you're not alone: Research shows that a lot of Americans don't have much in savings. One survey of about 5,700 people released by the Federal Reserve found that 46% of adults could not cover an emergency expense of $400 without selling something or borrowing money.

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There are a number of reasons why getting in the habit of saving is challenging.

One reason stems from our scarcity of attention, wrote Sendhil Mullainathan, professor of economics at Harvard University in an article on CNN Money. We are more likely to prioritize our immediate needs (say, a new phone) over our future needs (such as our retirement).

This is similar to why we procrastinate in general. According to psychologists, we see our future selves as strangers. While we inevitably become them, the people who we will be in a few months (or decades) are unknown to us, so we do not always make good choices for our futures.

A second reason is that we tend to forget what it felt like during conditions of scarcity. So, maybe you used to survive on a smaller salary, but now that you are getting paid more, you are likely to also increase your spending along with it to buy more (or better) things.

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Technology has also made it easier for people to spend more money. Paying for services or items is quick and easy today, especially as we move toward becoming a cashless society.

And on top of all this, there is peer pressure that can be applied via social media, said Sean Stein Smith, a CPA, CGMA, and assistant professor at Rutgers University-Camden. "Seeing pictures of celebrities, family, and friends posting their newest purchases during their most recent vacation can be a tremendously difficult hurdle to overcome," he explained.

So what can we do to become better savers? Here are few helpful tips and tricks to get you into the habit of saving:

1. Stick to a realistic budget and pay yourself — i.e., your savings account — first.

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"In order to accomplish any goal, whether it is running a marathon or setting up a savings plan for yourself, you need to have a plan in place," says Smith, who is also a member of the AICPA's National CPA Financial Literacy Commission. To do this, you need to take the time to know where your money is going and how much you can afford to save.

Everyone’s circumstances are different, so it's important to make a realistic budget that includes all your bills and expenses. And budget your savings just like it’s any other bill that you are paying so that you're always contributing something to that savings account.

2. Make your savings payments automatic.

The same technologies that make spending so easy can make saving easy too. Try to automate the process as much as possible by setting up automatic payments on payday so that a chunk of every paycheck goes straight into your savings account and you don’t even have to think about it.

"It’s like jumping into a pool: You have to steel yourself to do it once, and you can benefit going forward," wrote Mullainathan, the Harvard economics professor.

3. Remind yourself what it’s like to be broke.

Since we forget what scarcity feels like as soon as we’re not experiencing it, one helpful thing can be to remind yourself of what it feels like to be broke when you do have money. FutureMe.org lets you write an email to yourself to be delivered later — on payday, for instance, when you'll forget how it felt to scrounge change together for groceries.

4. Take the 52-week money challenge.

Sometimes just getting started is hard, so why not take this 52-week money challenge to get yourself in the habit of saving? The challenge works like this: on week one, save just $1, then on week two, save $2, and on week three, save $3, and so on until you reach week 52, where you save $52. This incremental savings plan starts small, but it can add up to a big difference — you will save $1,378 in just one year.

Worried you won’t stick to the plan? Try the plan in reverse and start by saving $52 on week one so that you have no excuse on week 52 to not put that $1 in there.

5. Make a goal and stick to it, and celebrate milestones.

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It’s important to have an emergency fund, but there are a lot of other things you can save for too. So while it's probably best to try to let your savings grow for a while (and keep withdrawals to a minimum), it's good to set smaller, more immediate, goals as well that allow you to reward yourself along the way with fun things, like that dream vacation you have always wanted.

Want to make sure your savings plan is realistic and well thought-out? Try the four-week financial fitness challenge.

6. Save your windfalls.

Did you get a larger-than-usual tax refund or an annual bonus this year? As tempting as it can be to rush out and spend it now, put that extra money into savings. You won’t miss the money, and it will get you closer to your savings goals.

7. Keep the cash back for your savings account.

Does your credit card or bank offer you cash back for certain purchases? Make sure to transfer those extra dollars right into your savings account.

8. Save your change.

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Small amounts of money can go a long way too. Do you have a bunch of change rattling around in your wallet? Why not collect all those coins in an old-school piggy bank? When it is full, you can exchange the coins at your local bank or supermarket for cash that can easily be deposited into a savings account. It might not seem like much, but over the course of the year, those loose pennies can really add up.

Some banks also offer "keep the change" programs to automatically round up your debit card purchases to the nearest dollar and transfer the difference into your savings account.

9. Increase your savings contributions when and where you can.

Get a raise? Or did you finally pay off your mortgage or a credit card? Be sure to increase your savings contribution before you start spending to reflect your pay increase or extra money in the budget. It will help you get one step closer to your savings goals.

Image via iStock.

10. Get a budget buddy.

"Planning, automation, and sticking with it — think of it like a workout regime — are the 'secret sauce' to savings success," says Smith. And a great way to stick with it is to find someone, like your husband, wife, or partner, to help motivate you.

"[This is] someone that is on the same path as you that can keep you motivated, engaged, and committed when you are tempted to start slacking," he says.

For some of us, saving isn’t easy, but thankfully there are a lot of ways to trick yourself into getting better at it.

And once you develop the habit and start meeting your goals, your future self will thank you.

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