Ten Ways to Spend Less and Get Closer to Your Savings Goal

Saving up for our down payment does not only require increasing our income, it requires spending less. The less money we can spend, the more we can save.

Two experiences during our marriage taught Andy and me to live on less: his years in graduate school and a season of prolonged unemployment. Here are ten ways that we learned to spend less money through these periods:

  1. Own one car: This saves money on insurance, gas and maintenance. As much as possible, we have lived within an easy bus ride, bike ride or walk to Andy’s place of employment. That allowed me to access to the car to grocery shop, run errands and drive our kids around. We recently bought a second car, but fifteen years of owning one car has saved us thousands of dollars.
  2. Own one cell phone: If you can believe it, we did not own any cell phone until 2010, and we didn’t own a smart phone until 2016! Andy is at work most of the day during the week and can be reached on his office phone. I carry the cell phone most of the time, but if Andy is going away for an overnight, he takes the cell phone. We have a landline also, which is a lot cheaper than owning another cell phone.
  3. Keep the house/apartment warmer in the summer and cooler in the winter: Texas is hot in the summer, and I do not like to be in a warm home. I get angry when I’m hot. But I have learned to live with our thermostat set on 78 in the summer. We have ceiling fans in all of the bedrooms, which helps at night. The winters in Ohio were cold, but we set our thermostat to 63 in the winter. We wore lots of layers, and we used our gas burning fireplace in the living room to boost the air temperature when needed.
  4. Eat out less: This is hard some nights when I just don’t have the energy to cook. Creating a meal plan each week helps me avoid impulse fast food meals. With a meal plan, I’m not scrambling at five o’clock each evening to put a meal together. If I know that I’m going to have a busy afternoon or evening, I plan a crockpot meal.
  5. Use Walmart’s  grocery pick-up service: This helps me to stick to my shopping list and not make impulse purchases. I can even see the total bill in the sidebar while I am shopping. If I get close to going over budget, I can take things out of my cart. Walmart does not charge a pick-up fee or mark up the price of the items like most other grocery shopping services do.
  6. Eat less meat: We are carnivores, but meat is one of the most expensive items on our grocery bills. We cut back on our meat consumption when I stopped working, and now we eat meat about three times a week for dinner. There are lots of delicious, satisfying vegetarian recipes on the web.
  7. Camp on family vacations: We own a four-person tent that we use for most of our trips. During times of the year when weather is less predictable, we reserve primitive cabins that include beds and electricity but no bathrooms. The campsites and cabins cost much less than hotel rooms, and we bring food to eat most of our meals.
    Here’s our little camp site on a vacation in Northern California. I love those big trees!

    To be honest, I don’t like to tent camp more than about four nights in a row, so sometimes we break up the nights by staying a night in a hotel.

  8. Buy a membership to a local attraction: Over the years we have purchased memberships to zoos, children’s museums, the YMCA and local amusement parks. While we did have to pay a large lump sum up front, we saved money over the year by using our passes frequently. Usually these passes pay for themselves after two uses, and now we have a go-to place when we are looking for something to do on a Sunday afternoon. Sometimes, we have requested passes as Christmas gifts.
  9. Swap babysitting services with friends: This has been a difficult one for me. I would rather pay a sitter to watch my kids for an evening without the obligation of returning the favor to a friend. However, paying for a babysitter does get expensive, and when we are able to swap with friends whose kids are similar in age to our kids, it usually does not require a lot of extra work.
  10. Buy some hair clippers and watch some YouTube videos to learn how to cut hair: We bought some clippers twelve years ago so that I could cut Andy’s hair. It was not difficult to learn how to give him a basic cut, and twelve years later, we have saved hundreds of dollars in trips to the barber shop. I do not let Andy cut my hair, though he has offered. 🙂 I just try to stick to hair styles that do not require regular maintenance.

Some of these money saving methods may seem too drastic for you to implement, but implementing just one of these methods could save you hundreds of dollars in the next year. That is hundreds of dollars that you can put to your money saving goal!

Please let us know what steps you are currently taking or have taken to save more money each month by leaving a comment below. We would love to hear them!

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Andy and Ginny

We are a married couple living in San Antonio, Texas who are delving into the adventure of buying a house with a zero credit score and trying to help other people do the same.

8 thoughts on “Ten Ways to Spend Less and Get Closer to Your Savings Goal”

  1. I know you guys probably cut cable a long time ago but we have saved over $100 per month switching from DirecTV to PlayStation Vue, an online tv streaming service. We essentially have all the same channels as before but no contract ( even includes the Big ten network for the all-important football games LOL). Our bill is now $45 a month. We did loose a few shows, like Nickelodeon’s paw patrol, so we learned how to watch their free episodes via the Nickelodeon app on our TV.

    1. That is a great tip, Kim! We actually have cable right now, because our apartment complex contracts with the local cable company. The cost of cable is included in our rent payment. If we could opt out, we would.

  2. Great tips, Ginny!

    Be sure to use savings catcher if you are a walmart shopper. It matches local competitors price by not doing anything but scanning the receipt each time you shop. It adds up over the year and I don’t feel guilty for not going to multiple stores to get the lowest price.

    How much is a landline? With many cell phones at $15/month unlimited talk/text, I do not really see the benefit of a landline which ties you down to your home. But, I am glad that it has worked out for you.

    Great for you on one car! We had one car for two years finishing up schooling. It was great because we saved and we lived in a walkable area. We are now back to two cars : ( since we live in a “driving” city again. But I definitely miss the savings of one car. Also good to note that driving cars to their full life (read::old) is much better financially than buying new cars every couple years. We have 11 year old and 13 year old now. The 13 year old has started to have most consistent issues so it might not last too much longer… but it got us through the debt payoff, so I am happy with the decision.

    I love that you cut his hair! I have cut husband’s hair for 10 years now. I thought that once he got a “real” job he would want to go to barber again. But he said no, you’ve been doing it for 10 years might as well keep going with it…. I guess it has added up over the years savings wise. I do have to drive a long ways to get a reasonable haircut for me though. The salons around us charge at least $60 for just a simple haircut no tip! outrageous!

    love reading your blog – keep it up!!! : )

    1. Thanks, Mamaham! I will definitely check out savings catcher. Also a good point about the land line. If you can get that rate for a cell phone, it is probably better than the cost of a land line.

  3. What a fun read! I always love hearing how other people save money!

    We only had one cellphone for years too and it’s amazing how well it works…you just get used to it, like so many other things. We’ve used Ting as our cellphone provider for the last 5 years o so and love them! We pay just around $35 for both my husband and I total a month! It’s awesome! I know there are lots of similar plans out there with other companies too. Definitely worth looking into if you are paying more than that for a cellphone! (Side note: In the odd chance that you’d decide to switch to Ting, I just have to tell you that you should make sure that you sign up using someone’s referral link because not only do they get money from it, YOU get an account credit towards your first bill- $25 I think- which is awesome too! I’d just hate for you to miss out on that. 🙂 )

    I always had thought we couldn’t go to being a one car family, but we have been now for about 4 years and while it’s tough sometimes, it’s saved us a lot of money and hasn’t been hard enough to justify the expense of an extra car and all the insurance and maintenance costs that come with it! Still miss the convenience often though.

    1. Thanks for the tip on Ting, Lydia! If we need to switch, I will definitely look into it. Thanks for your comment, too. I love your blog. The thrifty lifestyle does not come naturally to me as a spender, but I glean so many helpful tips and encouragement from you.

  4. Great list! How about rice & beans! In addition, we save energy and money on electricity when we make big portions and just reheat leftovers.
    And I don’t know what I would do without my Thrift stores and utilizing local bulletin boards to buy and sell junk (or trade!) like NextDoor or Varagesale or Facebook community groups.

    1. I’m so glad that you mentioned rice and beans and thrift stores, Evan! Those are great ways to save money. I have to say that Texans know how to make the tastiest beans and rice! 🙂

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