30 Creative Ways To Save Money in 2023

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Doll, I know how stressful it can be to struggle with finances. It feels like no matter how much you try to cut back, there are always more bills to pay and not enough money to go around. Talk about tragic.😫

 But don´t worry, there are plenty of ways to reduce your spending and increase your savings without feeling like you´re sacrificing your happiness.🤗 So breath. Your pretty pedicure is safe! 🤫

Here are 30 Creative Ways To Save Money to help you achieve financial stability and peace of mind.

This post is all about easy ways to save money in 2023.🤑

Best Ways To Save Money Today:

1. 🍳Cook at home instead of eating out

Doll, eating out can be a major expense, especially if you do it frequently. Cooking at home can save you a lot of money in the long run, plus it can be healthier and more enjoyable!👩‍🍳👨‍🍳

Listen up, I know XS-Cape said “every man wants a woman that cooks him up a good meal” 🎶 BUT you don't have to be a gourmet chef to whip up a delicious meal at home, and there are plenty of resources online that can help you learn basic cooking skills.👨‍💻

2. 🛍️Buy in bulk 

This right here is a game-changer! 👏 Buying in bulk can be a great way to save money on items you frequently use, like toilet paper, paper towels, and non-perishable food items. 🛒

Just make sure that you have enough storage space to accommodate your bulk purchases.📦

3. ❌Cancel subscriptions you don't use 

Many of us are guilty of signing up for a subscription service we don't use. Myself included, sis!!🙈

Look at your monthly expenses and see if there are any subscriptions you can cancel, like that gym membership you haven't used in months.🏋️‍♀️ Yikes.

4. 🏦Shop around for insurance 

You could be overpaying for car or home insurance without even realizing it.

Insurance is important, but you don't want to overpay for it. Shop around and compare prices to make sure you're getting the best deal.💰 We like to save a nice coin or two! 😆

5. 💰Use cashback apps when shopping

Bayyyyybayyyy!!!! 👏Cashback apps like Fetch and Upside offer cashback on purchases you were already planning to make. Download the app and earn cashback on everything from groceries to clothes.🛍️You’ll thank me for this shameless plug! 🔌

6. 🧼Make your own cleaning products 

Now listen, I'm not saying go all hocus-pocus on me! 🔮You can save a lot of money by making your own cleaning products instead of buying expensive ones. Making your own products is also a healthier option instead of buying them!

Cleaning products can be expensive, but you can save a lot of money by making your own. There are plenty of recipes online for homemade cleaners that are just as effective as store-bought ones.👩‍🔬

7. 🎟️Use coupons

Please, don’t pay dust to this next tip! 🥹Coupons may seem old-fashioned, but they can save you a lot of money. Keep an eye out for coupons in newspapers and online, and don't be afraid to use them.🤑 Better yet, ask granny to throw you her newspaper! 🙈

8. 💡Cut down on energy cost

This is a BIG one. Electricity and gas bills can be major expenses, but you can reduce them by reducing energy use. Turn off lights and unplug appliances when you're not using them, and consider using a programmable thermostat to regulate your home's temperature.🌡️

9. 🚌Use public transportation or carpool 

If you want to save money on transportation, consider using public transportation or carpooling with coworkers or friends. Don’t frown your face up, sis. 🤨Not only will you save money, but you'll also reduce your carbon footprint.🌍

10. 🛒Buy generic brands 

Wake up, sleeper! ⏰ Many generic brands are just as good as name-brand products but cost significantly less. More times often than not, generic brands have the same exact ingredients as the name brand. Why pay more for the same product? Just compare the ingredients! 🤝

11. 🌡️Use a programmable thermostat

A programmable thermostat can help you save money on heating and cooling costs by automatically adjusting the temperature in your home based on your schedule.🏠 Talk about fancy. ✨

12. 🔧DIY home repairs 

I'm telling you! YouTube and TikTok👏are 👏the 👏 truth. Before calling a professional to fix a problem in your home, see if you can tackle the problem yourself. Plenty of online tutorials and resources can help you with everything from fixing a leaky faucet to patching a hole in the wall.👨‍🔧

13. 🚰Reduce water usage 

Cutting down on water usage can save money on your water bill. Consider taking shorter showers, fixing leaky faucets, and installing low-flow showerheads and toilets.💧You don’t have to compromise your smelling good to save on water. 🤭

14. 🚫Say no to impulse purchases 

Impulse purchases can quickly add up and hurt your budget. Before making a purchase, ask yourself if it's something you really need or if it's just something you want at the moment.🛍️ To be honest, sis, you might not even want the said item by the end of the night, kind of like that high school sweetheart. What were we thinking? 🫣

15. 🏠Rent out a spare room 

If you have a spare room in your home, consider renting it out on Airbnb or another rental platform. This can provide a steady stream of income and help you pay your mortgage or rent.🛏️ Thank me, later! 🥳 Your bag is really about to go UP!!!

16. 🎫Take advantage of free events 

Many cities offer free events like concerts, festivals, and museum exhibits. Take advantage of these events instead of spending money on entertainment.🎉 Free doesn't always equate lame. Remember you are the good time. 💁🏽‍♀️

17. ✋Wait before making big purchases

Doll, chill out and give yourself time to think before making a big purchase to ensure it's something you really need or want. Get creative and make a savings challenge. Mark off each milestone as you go. Once complete, go make your purchase!🛍️

18. 🛋Buy floor models when shopping for furniture

I kind of feel bad for keeping this tea to myself for so long. 🍵You can save hundreds of dollars by buying floor models for furniture or appliances.📺

19. 🛍️Shop during sales

Buying items during sales can save you a lot of money, and your sanity! 🤯

Switch seasons when you shop. In the winter, buy summer clothes. In the summer, buy winter clothes. Stores have drastic markdowns to get rid of their out-of-season items. This is where knowing when to shop comes in handy!🤑

20. 💰Automate your savings 

It is important to have an emergency fund for rainy days. Oh, Rona taught most of us  this the hard way. 😷

To make saving money simpler, set up automatic transfers from your checking account to your savings account. Consider contributing to an IRA or 401(k) to save money for retirement.💸

21. 🌱Grow your own produce

“You can do it put your back into it.” 👩‍🌾🎶 Start a vegetable garden if you have a yard or even a small balcony. Growing your own food is fun and rewarding and can save you money. Additionally, you'll have easy access to a variety of fresh, nutritious fruits and vegetables!🌿

22. 📚Use the library

We are all looking for the next best read to boss up, so use your local library instead of spending money on books or expensive e-book subscription services. You can borrow free copies of a wide range of books, films, and even video games from the majority of libraries. Additionally, you'll be promoting literacy and helping your neighborhood.📖

23. 📱Negotiate bills

This is not the time to bite your tongue, sis. 😬 Don't be afraid to negotiate prices when paying service providers. There is frequently room for negotiation on bills, whether for cable or your cell phone. Ask your provider if they can provide you with a better deal or if there are any special offers or discounts you can take advantage of by calling them.💬

24. 💰Save your spare change

It may seem like a small gesture to save your spare change, but it can add up over time. Create a jar or other container to add your spare change each evening. How quickly it can grow will astound you.💵 I'm telling you! 🤫When times get rough, you will wish you had that spare change. 💸

25. 📈Invest in yourself

Dust-to-dust to putting yourself last! Investing in yourself is one of the best ways to increase your income and achieve financial stability. Learn new skills or get to know a new industry by enrolling in courses or attending workshops. You'll have more opportunities to make money and succeed financially the more valuable you become.👩‍🏫

26. 💳Utilize Credit

Now, doll this takes a strong will and discipline. Stop carrying a balance on your credit cards and start making money from your creditors instead of the other way around. Use a rewards card to get exactly what you need without going over budget. Then, pay off the balance on time every month and watch the extra money accumulate in reward points.💯

27. ☕Make coffee at home

Starbucks, it's my money and I'm keeping it now! 😅Instead of going to the coffee shop first thing in the morning, make your coffee at home. You can customize it exactly how you want at home for a fraction of the price.🫰

28. 🤌Barter for services

If you have friends needing a babysitter, offer to babysit for free and ask if they will return the favor when needed.👶 I scratch your back, you scratch mine. 😁

29. 🎄Create a holiday account

Doll, listen up. I'm tired of seeing my people go broke during the holidays🎅🏾.  Instead of going into debt during the holidays, open a holiday account. A holiday account allows you to save money while earning interest.

Be sure to shop around for the best rates.🏦

30. 💰Ask for discounts

Closed mouths don´t get fed. Often, simply asking for a discount will result in your getting a discount. Never be afraid to ask.🤔

🎉Money Takeaway🎉

Doll-face, I'm giving you the real. No chaser. Implementing all of these hacks at once might seem overwhelming, but start with one or two and see how much money you can save. Remember, it's not about completely depriving yourself of the things you enjoy, but finding ways to do them in a more cost-effective manner.🤌I promised you that you could keep your pedicure, and I meant that! 😆✌️

Personally, I struggled with finances for a long time before implementing these hacks in my own life. It wasn't easy, but it was worth it to be able to have a safety net and not constantly worry about money. I hope these tips can help you as much as they helped me.😉

Remember, it's never too late to start taking control of your finances and making small changes that can have a big impact. So, take that first step and sign up for my email list today!💥 Your bank account will thank you. 🤑