Money Saving Tips for a New Year

Lot’s of New Year’s resolutions have to do with saving money. Maybe yours is one of them! One of the ways I've decided to save this year is by cutting out fast food and sugary drinks but I found out saving money here and there can be a lot easier than you think – it just takes some planning ahead.

8 Tips for Saving Money in 2015

1. Start meal planning – You’ll be surprised to see your grocery bill shrink when you go to the store with a specific list because you've planned your meals for the week. This is also a simple way to cut back on fast food and eating out.  Casseroles make great leftovers, especially if you’re only cooking for two.  Plan ahead so that on your busy nights you can simply reheat something from the night before instead of ordering take out.

2. Stock up when you find a deal – You don’t have to shop at Costco or Sam’s Club to find great savings on everyday items. When you see a special deal on paper products, condiments or pasta sauce, take advantage! You can even find great deals online.

3. Buy produce from the local farm stand – This may not be possible if you live in the city, but try shopping the local market or produce stand instead of the big box stores for produce during spring/summer. You’ll find great savings on sweet corn, tomatoes and seasonal fruit like strawberries.

4. Grow a garden – If you've got the space and a green thumb, try growing your own herbs and veggies. Tomato plants are super cheap and easy to maintain. It’s also fun to grow your own pumpkins and gourds in the fall!

5. Cancel your home phone – Save on your TV / Internet / Telephone bill by cancelling what you don’t use. Maybe for you that’s going from a million channels to basic cable. With apps like Netflix and Hulu you can still watch your favorite shows. Not sure how you can cut back, call your cable or internet provider and ask about any recent promotions or deals - they want to keep your business and may be able to offer you a better price. 

6. Stop wasting plastic bags and switch to reusable food containers – How cute are these Disney Princess sandwich containers for lunch at school?

7. Save manicures and pedicures for special occasions – There’s tons of affordable options that look just as good as a professional manicure! Check out Impress Press-On Manicure and Jamberry Nails - both offer stick on nails that adhere to your natural nail and cost just a fraction of the price you'd pay for a regular gel manicure. Plus, they last just as long!

8. Shop online for great deals on everyday items – Good Buys All the Time has bargains on the brands you love like Seventh Generation, Burt’s Bees and Tom’s of Maine. When you shop online you're not distracted by in-store gimmicks and end of aisle sales so it's a lot easier to stick to a list. Give it a try!

Keeping it Simple for a Healthier New Year

Every year I set a lofty weight-loss goal or tell myself I’m going to save hundreds of dollars for my dream vacation, but somehow come March, April, May I realize I actually gained 3 lbs and I may have saved enough for a new toaster. No matter how great my intentions or how motivated I feel while making my resolutions, I never seem to stick to them.  This year I decided to keep things simple and start by setting small, realistic goals.

Be Specific
Instead of making a resolution to be “healthier,” I decided to get specific. It’s a lot easier to keep yourself accountable for something that’s specific, measurable or trackable, than it is to stick to a generalized statement.  I enjoy walking and I know it’s a great workout so I decided an attainable goal was to walk 1.5 miles at least 4 days of the week.  I took my schedule into consideration and determined 4 days a week was a reasonable goal – I would have to stay dedicated to making time for my walk, but I wasn’t asking too much from myself.  I also set a goal for distance because I have a tendency to slack when it comes to exercise.  By telling myself ahead of time I’m going to do at least 1.5 miles, I can gauge how long I’ll be at the park or the gym and I’ll also be able to track my progress. I’m hoping to better my time each month.

In addition to my walking goals for 2015, I decided to get specific with how I plan to save money this year.  It’s easy to say you’ll watch what you spend at the mall or the grocery store but it’s nearly impossible to measure a goal so vague.  I decided to get specific and target one of my guilty pleasures… Starbucks coffee. As much as I love my coffee breaks or grabbing a latte while I run some errands, those $3-$6 drinks add up. I decided to cut Starbucks and Dunkin out of my budget for the year and instead decided to buy my own gourmet coffee to make at home. Now I can save money and calories by skipping the fancy syrups and the added whipped cream.

Stay Accountable
I told my girlfriend who walks with me from time to time about my goals for the year and she was motivated to make my walking challenge her own.  Having someone to keep you accountable is important, but finding someone to workout with you and push you when you start slacking off is even better! I also told my hubby about my goal to cut out my Starbucks addiction and he agreed to hold me to it.  Now there’s no going back – if he finds Starbucks cups in our trash can or sees the charges add up on our debit card I’ll be in trouble.

Re-Evaluate Your Goals
If I can stick to my walking plan and no Starbucks for a month, I plan to re-evaluate my goals to see how I can continue challenging myself to become healthier.  I’d love to be able to go from walking to jogging and eventually my goal is to run 1.5 miles without stopping, but that will take some time. For now I know if I stick to my walking goals I am one step closer to my end goal. If I am able to go without Starbucks, I plan to add to my goal by eliminating some other guilty habits.  I’d like to cut out fast food altogether and cut back my grocery bill, but for now I’m keeping it simple.

Whatever your New Year’s resolution, if you keep things reasonable, measurable and hold yourself accountable for your goals, you’re sure to make progress. Good luck!

~R.K. for Good Buys All the Time!