Babies have it easy.
They dont have to worry about budgets or bills, so they can sleep soundly at night.
Step 1: Pick a month or even year.
Penny HoarderJamie Cattanach chose Novemberin hopes of taming her holiday spending.
Step 2: Dont spend money on nonessentials during the freeze.
Sure, itll be difficult; youll face temptations.
But Cattanach finished the challenge and saved at least $600 in one month.
We get it, though.
But you dont need to spend hours on end playing with complicated Excel equations.
We love resources likeMonarch Money, which helps you keep track of your purchases, accounts and investments.
(And for a limited time get 50% off your first year with code MONARCHVIP.)
The 50/20/30 budgeting method also makes it easy.
Its one of the most straightforward budgeting strategies, and it offers a lot of flexibility.
Some people like to put more toward their savings, while others need a bit more for expenses.
Take some time to find what works best for you and your goals.
A website calledAmOnecan help.
Download Store Loyalty Apps
Does your preferred grocery store have an app?
Itll probably help you save.
You cansave at Walmart, for example, using its Savings Catcher app.
you might make a shopping list, check in-store and online prices and peek at the weekly ad.
Wouldnt it be easier if you could get paid as soon as you earned your money?
it’s possible for you to!
Withan app called EarnIn, you might get early access to your pay.
When your payday comes, whatever you transferred from EarnIn is automatically repaid, plus optional tips and fees.
You wont be charged any interest, and there are no mandatory fees**.
End the paycheck-to-paycheck grind.Download the EarnIn app todayand access your hard-earned money when you need it the most.
This in-home assessment will help confirm your house is as energy efficient as possible.
If you want to perform your own energy audit, there are somesimple DIY measuresyou can take.
Regular users earn an average of $106 per year on gas alone.
First, if youaretrapped in an endless cycle of interest payments, considerconsolidating or refinancingyour student loans.
Take a deep breath.
We know paying off your student loans can feel pretty daunting.
Adjust Your Water Heater options
Whens the last time you checked your water heater options?
Typically, water heaters are set to 140 degrees, reports Penny Hoarder contributor Scott Alan Turner.
Switching to energy-efficient light bulbs can save you $75 a year.
*EarnIn is a financial technology company, not a bank.
**EarnIn does not charge hidden fees for use of its services.
EarnIn does not charge interest on Cash Outs.
Restrictions and/or third-party fees may apply, see EarnIn.com/TOS for details.
