What are different things I can do to try to save money when every cent I have I spend it? Help!

Tiffany - posted on 05/09/2011 ( 8 moms have responded )




I just need different ways to help me. I spend every last dollar I have the day that I get it. Well not THAT bad, but bad. I have a mint.com account, a calendar I write all big purchases on, 2 different lists on what I need & what I'm buying this month. It just doesn't work. I use to try to write down everything I spend and how much but I just can't.


View replies by

√v^√v^√♥ - posted on 05/23/2011




My advice? Start minimalizing...... it sounds totally unrelated but once you start the process of purging a drawer and you end up going through your house and throwing away 100 pens that are half full and don't work so that you have 1 jar of great pens you can always find... when you see a new pretty pack of pens at the store you think are 'cute' you suddenly do not want them at all because you just tossed out 100 pens. I cannot believe how much this has helped me. We've been going through every room, closet, shelf and it's worked wonders on what we don't spend on anymore. Its a real eye opener, it helps you become organized, and you learn to make lists in the process and in the end, along with budgeting and realizing what you do and do not need, you've suddenly lost your incentive to spend, managed to figure out what you truly need in order to survive and in the end you have sooooo much more time to just do what you really want and be happy for once...... its awesome!!!!

Steffanie - posted on 05/15/2011




Shop at discount stores like Walmart, Target, ect. Buy generic products, and what is in season. Buy only what is necessary. Find the best deal on cell phones, cable, or whatever you spend on. Go through your budget, and find what is a must have, and what you don't need. Activities with kids, go inexpensive... Such as the discounted movie theater instead of the expensive one, parks, and other inexpensive activities. Look for coupons in your local paper or online. The 99 cent store is great! Cook at home as much as you can, it is much more inexpensive than eating out. If you do eat out, go during lunch time specials or find coupons in your local paper/online. As for keeping track, keep receipts, and keep track of what your spending, you can always round off... Good luck!

Sarah - posted on 05/15/2011




Work on making a budget. Spend every dollar on paper before you get your check and then you know where it is supposed to go. Also work on paying cash only for certain purchases like dining, groceries, clothing, and entertainment. If you give yourself a cash allotment for these things, when you get your check it will help you spend less for two reasons: cash is harder to let go of than a card swipe, and once you run out of cash you have to stop spending. These are just a couple of tips. The thing that has helped my family learn all we need about budgeting and saving is called financial peace university. You can learn about it and find a class on daveramsey.com. He also has a radio show and a tv show you could check out for more tips. Good luck!

Tracie - posted on 05/15/2011




Set up an automatic monthly transfer from your checking to your savings. Doesn't have to be much, whatever you can afford, $10, $50, doesn't matter. Most banks will set this up for free. Good luck!

Sinclairbrooks - posted on 05/11/2011




Make a budget. Figure out how much you can spend in a week on necessities (groceries, gas, "fun money", etc...) and pull that money out on pay day. That's it, that's all the money you have to spend until next pay day. Period.

Tammy - posted on 05/10/2011




I used to have no bills to pay so i wouldnt care about spending my whole pay check. and im young lol but recently after i became pregnant i got my own place and car and everything. so i printed out a calender and i keep track every week of my my bills. at the beginning of the month i write what bill, how much and the day they are due. I subtract all my bills to find out how much ill have left before my next pay check. i decide a budget for gorceries (and of course the most popular) i used coupons. then i decide how much goes into savings. Savings is the hard part for me cause im trying to think of a reasonable amount for emergencies for car, baby, food, or just anything. And with a lot of natural disasters going on right now and my baby on the way i want to make sure he'll always have money in case something happens to me or if something happens like an evacuation. I dunno i use my baby as motivation. I would like to save up to give to him!
hopefully i sparked some ideas for you.
I dont think writing down what you spend would help though. you have to find a reason why you want to save, put it somewhere you'll forget about it for the month at least and you wont touch it.
I always forget i have money saved up! lol but i know when i need it it will be there =)

Stuck-in-the-moment - posted on 05/10/2011




omg I have so much trouble with that too :/ my suggestion..at least what i'm trying now is save EVERY repiept that I get for a month and then adding up what I spent on groceries etc..if you have little ones in diapers use cloth OMG has it saved me money..cloth diapers and wipes will save you like 2 grand in the big picture I LOVE mine..also if you pull cash out..your less likely to spend it..it so easy to when you swipe a card..I think ah well I can move some money over later..but if I take in cash and leave my credit/debit cards in the car or at home I dont have it to spend..it helps me alot!

Louise - posted on 05/10/2011




I have an accounts book that my husband and I write in every purchase or every withdrawl of cash. This way we know how much is in the bank. I also use online banking so I can keep a track on what has gone out of the account. It is very rare that I carry cash at all. I pay for everything on card this way it is not an impulse purchase. This seems to work very well for us both.

Tyrae - posted on 05/10/2011




Have you tried the jar system? It has worked well for alot of people, just budget what you have as essentials and split it up into different jars. Than you freeze your debit and credit cards in a glass jar with a smaller opening than the rest of the jar. It takes time for the cards to unfreeze which will give you time to think over what you want to purchase instead of just spending willy-nilly.


I hope this helps. I've been trying to get my fiance to join me in this, but he's stubborn and he likes to spend his money... lol

Join Circle of Moms

Sign up for Circle of Moms and be a part of this community! Membership is just one click away.

Join Circle of Moms