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I’m so excited to share with all of you how my husband and I have learned to save over $1000 dollars a month, a special thanks to ScriptSave® WellRx for sponsoring this post to make this possible. As the New Year is upon us we have a few goals and that is always our Self Care/ Health and saving money! So, I’m sharing about how we are doing both…
Sharing about budgeting…talking about money…figuring up budgets…crunching the numbers…all of that is right up my alley, although I know it’s not what everyone loves. So today I’m hoping to break it all down and make it simple…how you too can save over $1000 dollars a month by a few simple steps…but a few hard decisions and hard work.
You might be saying…I don’t even have that much money a month coming in to even try to save. Well we don’t either! Your next question is probably…well if you don’t have it to spend how are you saving it? Glad you asked!
If you could get a little peek into our budget and our numbers you’d probably be quite shocked on what we live on and on the flip side live without. Yet that’s not what I’m showing you today…rather I’m wanting to show you ways you can crunch your budget and save. Some ways are practical and if you have the right tools, other ways are just making decisions and being tough that helps you win.
So here goes…as we both sit down together…we begin by…
1- Create a Budget and STICK TO IT!
The first step is simply taking your income and creating a budget based off of that. (You really should read #4 simultaneously at the same time but you’ll get there!)
Crunch the numbers and plan. If you don’t tell your money where it’s going, it will control you. You need to control it. No matter if it’s a $1.00 or $100. The idea is not how much you have or how much you make, it’s what you do with what you do have. Those that are faithful in the small things will be given bigger things, I truly believe that. If you know how to take care of $1.00 then you will be able to steward $100 and the idea continues to grow.
Learn to Spend your money, Save your money and Give your money. Those are the three basics that anyone will do with money, all within balance!
One way we have saved loads of money is within our food budget. We do without the eating out…
We budget to eat out 1 time a week, I plan our meals and our grocery list so that I go grocery shopping every two weeks. Why?
Well if we both ate out 5 times a week for lunch that is an average total of: $80 combined. Rather, we fix our lunches at home and take them to work (although I’m a stay at home mom it’s just as easy to be out and about running errands and decide to swing through and grab a bit to eat, I don’t!!)
We make our own coffee and avoid driving through fancy coffee shops! By not doing this 2-3 times a week it saves us $30. I can make a lot of good coffee at home for that price!!
Eating out as a family on average costs us $30, so more than one time a week adds up quickly. Say we did it one extra time costing us an extra $30 over budget…it adds up.
Going in and out of the grocery store multiple times a week would throw us over our grocery budget by about $100, more than likely.
Those three simple steps alone save us $240 a week!
Which means it saves us $960 a month. ($80/lunches, $30/coffee, $30/extra eat out night & $100 extra groceries totaled to $180 multiple by 4 times for months’ worth of savings)
We are a family of three…do the math based off of your family size, you’ll be shocked I bet!
2- Use the Right Tools!
There are so many tools available and literally at our fingertips in the day in age we live in. Literally at our fingertips with our smart phones. I just downloaded the ScriptSave WellRx app to help us save even more money in the coming year! Every chance you can find to save money DO IT! No matter how little an amount in the end it all adds up!
For example, with the ScriptSave WellRx card/app it is free to download, requires no credit card details to be entered (hallelujah) and has no membership fee. There is also no way to pay more than you would have done without the program…so the worst case is that you get no discount (in which case, there’s some relative peace-of-mind that you’re already getting the lowest price available in your area). On average, members see a savings rate of around 45%.
If you are like me time is money…so price-shopping can be a time-consuming and draining process. The thought of calling around all the local pharmacies to ask what they charge for every medication in the family’s medicine cabinet is a lot of work. The ScriptSave WellRx website and mobile app do it for you! They have a fast, easy, free price-check tool that works in a similar way to how most consumers tend to shop for hotels and airline flights nowadays. The price-check tool returns specific prices for all the pharmacies in your given zip code. A few clicks and you’ve immediately “called round” all your local pharmacies on one screen.
For instance, when I used the app to search for discounts where we live, here in Picayune, Mississippi, I was quite excited about the savings we could snag on some of our “go-to” prescriptions when we get sick and have a doctor’s visit.
Be sure to use invite code: Bloom when you register for ScriptSave or download the app!
3- Do Without!
I promise you, it won’t hurt you or scar you for life. If you can’t afford it you can’t afford it. Our society has a mentality, if I want it I’ll get it no matter what. Usually that means putting it on a card and paying for it for years to come. No. Just do without and be content. We don’t have cable TV, we don’t have Netflix, we don’t have the newest and fanciest cars and ask my husband, he doesn’t have a fancy mower – although after spending Saturday after Saturday working on his he sure wishes he does…no, rather he figures it all out and fixes it with an $8 part vs buying a new mower. There are so many things we wished we had…tools for my husband or something new for my house for me but we just wait until we have saved up and have the money.
4- Live below your means!
If you get a pay raise don’t go spend it, save it…continue to live how you were…if you get a bonus don’t pretend you now can live like the “Jones'” rather live below your means and save. Having a nest egg or an emergency fund is so vital. Not only vital for your financial state, but for your mental and emotional health too!!
5- Do what you can!
Do what you can from day to day to better your lives and your health so that down the road you are able to work hard! Taking care of what you have in material possessions as well as your body/health really is a great way to get ahead in the game of saving money. It’s a behind the scenes way of saving money and in the end, remember, it all adds up!
What are ways you save money? We love hearing your ideas and tips!
This is a sponsored post written by me on behalf of ScriptSave® WellRx.