Are you looking for some real money hacks that anyone can do? Making smart financial decisions with your money early in life can help you set yourself up for long-term success, and prepare you as you approach retirement and beyond. Whether you’re looking to pay off your student loans, build an emergency fund, or just work toward bigger goals like paying off your house and getting a budget started, this guide of smart money habits can help!
Here are 100 smart money moves to make today to set yourself up for financial success.
This list of ideas is full of free money hacks that can save you money easily. Some are instant savings and some will add up over time, so there’s no better time to start than today!
Any money you’re not using in your budget, put it directly into savings or towards additional debt payments.
Lower your grocery budget by opting for cheaper meals such as spaghetti or three-ingredient recipes.
Instead of pooling everything into one account, set up a separate bank account for your sinking funds and other savings goals.
Just make sure to pay them off at the end of each month.
Or if you work for yourself, consider raising your rates.
You can find them for free through Prime Reading, Libby, or your local library.
This will help curb impulse purchases if you have a small budget to spend on what you want.
Use this time to go over things like your budget and your financial goals.
This will help stop in store impulse purchases and help you stick to your budget.
Get creative with what you have and look to get the maximum usage out of everything you own.
A matinee movie versus a 7 pm movie are usually different prices. The same could be said about a lunch versus dinner reservation. Sometimes the time of day you go can greatly impact the price!
Smoking, alcohol, and even soda are all things that are optional!
From homemade bread to your own clothes, there are so many things you can make yourself!
Get a library card, borrow from friends, and look online to find free books. Learn to use the books that you have at your disposal!
This will help you save big on gas!
Running the dryer can get expensive, and this can help you save.
Are you really using everything you’ve signed up for? Is there anything you could trim or cut out?
Make sure you include these in your budget and make a note of when they renew.
Are you buying something to keep up with a lifestyle or because you actually want it?
Sometimes waiting to purchase something can be just as satisfying as getting to hit the checkout.
This will help motivate you and give you a why for living frugally.
Learn how to spot deals, when to buy things, and even WHERE you need to shop.
Lending money can lead to strained relationships. If you give someone money, make sure you don’t need it back. This way there are no hard feelings if you don’t see it again.
This goes for buying a home or just financing anything.
Are you carrying too much insurance or not enough? Really look into the fine print on your insurance policies.
It’s never too late to learn some new tricks
Find frugal or free hobbies
Budget with cash and envelopes
This will not only help you stop buying things you already have, but also keep you from overspending on things you don’t need.
Plan gift giving in advance
Annual exams and teeth cleaning can help you from root canals and major problems down the road.
The financial habits you build now can help you shape your future greatly! So what are you waiting for? Use these habits to help you build financial wealth and pay off debt now.
The easiest way to get money fast is to figure out where you’re spending your money. Out of this list of real-life money hacks, there are ways to cut down on your current spending and ways to earn extra money, too.
The best money hack to make money fast is to focus on a skillset and then find a way to get paid for it. Create something, make something, write something – you name it! Since we live in an age of technology, people are always looking for unique and affordable talent.
This list of real hacks to get money shows you just that! Stop stressing and overthinking and start lining your pockets with cash! Once you realize that there are so many ways to make money, the world is your oyster on thinking up ways to save money and get paid.
Smart money habits aren’t hard to do but you have to take a step to get started. With these easy ideas, you’ll be setting the groundwork for saving and earning money fast!