48 Easy Things You Can Do To Live Better and Save Money
48 Easy Things You Can Do To Live Better and Save Money
May 10, 2023 By Terence Loose
If it seems like the world is getting more expensive, that’s because it is. The cost of consumer goods is rising, according to the Bureau of Labor Statistics. But there are still ways to live well and have inexpensive fun in a higher-priced world. By using these strategies, you can keep more of your paycheck for yourself.
Upgrade Your Savings Account
If you’re not taking advantage of a savings account that gives back to you then you are missing out on free money. Whatever you’re saving for, you should do it in an account with a competitive Annual Percentage Yield (APY).
Milli Bank, a mobile bank that is a division of First National Bank of Omaha (FNBO), offers a 4.50% APY, plus useful tools like Jars to keep money for different financial goals separate. It also has real-time tracking of how your spending affects your savings goals. Not only does the money you deposit keep growing while you’re not looking, you will also learn where you can adjust your spending habits to save more.
Whether you value a competitive Annual Percentage Yield or savings tools that help you reach your goals faster, you should make the most of your savings account.
Buy Off-Season
Just because something is really expensive right now, that doesn’t mean it will be in three months.
“Timing is everything when it comes to shopping,” said Jon Lal, founder and CEO of online coupon and cash-back website BeFrugal. “Time your purchases with the seasonality and popularity of items, and get it in the off-season or when stores have too much inventory.”
That might look like buying next winter’s snow boots from the clearance rack in the spring, for example – it involves planning ahead.
Listen To More Music
Listening to music can actually make you happier, according to research from the University of Missouri. Fortunately, you don’t need to buy a bunch of new tunes. Instead, check out affordable music services like Spotify, where you can listen to tons of amazing music for free. Look up free concerts in your area as well – cities and community organizations often have free concerts in the parks during spring and summer!
Maintain Your Stuff
A bike with rusted gears and a flat tire is not a bike — it’s a space-waster. And a car that never gets its oil changed is a major credit card expense waiting to happen. Remember, a little prevention can save you a major headache — and potentially reduce big expenses down the road.
Learn To Say ‘No’
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