Saving money is something we all know that we should do. But in reality, it is hard. Right? Who wants to stop buying coffee or going out to eat with friends just to save a few bucks? You don’t need to make huge sacrifices to start saving. There are realistic ways to save money without feeling deprived. Trust me, I’ve been in your shoes, trying to figure out how to save without cutting out the fun stuff. So, let’s dive into some easy ways to save that you might enjoy.
1. Start with a Simple Budget (No Need to Overcomplicate It)
The word “budget” might make you cringe, right? I used to think tracking every penny was way too much effort. When I finally sat down and looked at where my money was going, it was a game-changer. You don’t need some fancy app or spreadsheet to get started. Simply jot down your expenses such as rent, food, bills, etc… It is simple and it is one of the realistic ways to save money.
And here’s the kicker: you don’t have to track everything right away. Start with the essential things and see what shakes out. You’ll be surprised at what you didn’t know you had.
Read more at The Balance Money: How to Make a Budget.
2. Use Coupons and Cashback Deals for Realistic Savings
Cooking at home is a total money-saver. When I eat out a lot, the bills add up quickly. But cooking at home, for example, simple meals such as pasta, stir-fries, or even salads don’t cost much at all. You don’t need to be some five-star chef to make it happen. I’m talking about simple meals that can finish cooking in 15 minutes with basic ingredients.
When I first started cooking, I thought I’d burn the house down. But after a few tries, it got easier. The best part is that I’m saving tons of cash. I enjoy it now. It’s like when you try a new hobby, you’re nervous at first. But once you get the hang of it, it’s pretty rewarding.
3. Use Coupons and Cashback Deals
Coupons might sound old-fashioned. But trust me, they can make a big difference. The other day, I saved $15 just by using a coupon I found online. You can find deals on almost anything—groceries, clothing, even flights. And you don’t have to spend hours hunting for them. Apps like Honey or Rakuten make it so much easier to find deals. Yes, even while you’re doing other stuff and this is a realistic ways to save money.
I used to think it wasn’t worth it to spend time looking for deals. Now I realize how silly that was. Every little bit adds up. Seriously, those small savings can add up faster than you’d expect.
For even more cashback opportunities, check out our best cashback apps guide.
4. Review Your Insurance – A Smart and Realistic Way to Save Money
Insurance. It’s one of those things we often set up and forget about, right? But I gotta say, I’ve saved a lot by just reviewing my plans. A couple months ago, I called my car insurance company to ask about better rates—and guess what? They gave me a discount. It was like, “Why didn’t I do this earlier?”
So, here’s the deal: take a look at your insurance rates now and then. Call your provider, shop around, and see if you can get a better deal. You might be surprised at how much you can save.
5. Cut Down on Utility Costs – Simple Yet Realistic Ways to Save Money
Turn off the lights when you’re not in the room. Unplug chargers when you’re not using them. I didn’t realize how much energy my phone charger was using until I started unplugging it. I know it doesn’t seem like much, little things like these add up.
Also, consider switching to energy-efficient light bulbs. It’s not a huge expense upfront, but over time, you’ll see a drop in your electric bill. I still can’t believe how much I was wasting before. Honestly, it’s like that time I didn’t realize how much money I was spending on takeout until I tracked it.
6. Wait Before You Buy (Impulse Buying Is a Trap)
Have you ever bought something and then felt that buyer’s remorse a few hours later? Yeah, me too. So, I started waiting before making any impulse purchases. I give myself 24 hours to think about it. If I still really want it the next day, then I go for it. But most of the time, I forget about it entirely.
Just last week, I almost bought a new jacket I didn’t need. I waited, and honestly. It’s crazy how much you can save just by slowing down and thinking before you buy.
7. Use Public Transportation or Carpool – A Realistic Approach to Saving Money
I know, public transport isn’t for everyone. But hear me out—if it’s an option, give it a try. I started carpooling with a coworker a couple of months ago, and it’s been a huge help. I don’t have to worry about gas prices, and I can skip the whole parking hassle. It’s almost like the universe is giving me a little extra time (and money).
Maybe public transport isn’t the most convenient for you, but even if you carpool a couple of times a week, you’ll see some savings. It’s one of those small changes that make a big difference over time.
8. DIY Home Repairs (It’s Not As Scary As You Think)
So, full disclosure: I’m not handy at all. But I fixed a leaky faucet last year, and honestly, I felt like a total boss afterward. I watched a couple of YouTube tutorials, got some basic tools, and bam—problem solved. And you know what? I saved a good chunk of change by not calling a plumber.
If you’re not sure about fixing something yourself, just search for tutorials online. You’d be surprised at how much you can fix with just a little guidance. Sure, it might take a little longer, but it’s worth it. And hey, you’ll feel pretty proud of yourself afterward.
Conclusion
Saving money doesn’t have to feel like a chore. It’s all about finding ways to make small, realistic changes that work for you. Try one or two of these tips and see what works best. You don’t have to go on a crazy budget or cut out all the things you love. Start slow, and maybe you’ll find that saving isn’t so hard when you focus on realistic ways to save money.